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1516000 5497000 9742000 15239000 400000 400000 4659000 4659000 3675000 3675000 11468000 11468000 1392000 9902000 11294000 670000 1403000 2073000 8201000 8471000 16672000 0 0 18592000 1100000000 1400000000 116000 652000 416000 114776000 118843000 123079000 114660000 118191000 122663000 <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Note 1 - us-gaap:SignificantAccountingPoliciesTextBlock--> <!-- xbrl,ns --> <!-- xbrl,nx --> <font style="font-family:times new roman" size="2"><b></b></font> <p style="margin-top:6px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b>1.&#160;&#160;&#160;&#160;Significant accounting policies </b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">M&#038;T Bank Corporation (&#8220;M&#038;T&#8221;) is a bank holding company headquartered in Buffalo, New York. Through subsidiaries, M&#038;T provides individuals, corporations and other businesses, and institutions with commercial and retail banking services, including loans and deposits, trust, mortgage banking, asset management, insurance and other financial services. Banking activities are largely focused on consumers residing in New York State, Pennsylvania, Maryland, Delaware, Virginia and the District of Columbia and on small and medium-size businesses based in those areas. Banking services are also provided in West Virginia and New Jersey, while certain subsidiaries also conduct activities in other areas. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">The accounting and reporting policies of M&#038;T and subsidiaries (&#8220;the Company&#8221;) conform to generally accepted accounting principles (&#8220;GAAP&#8221;) and to general practices within the banking industry. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The more significant accounting policies are as follows: </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Consolidation </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2"> The consolidated financial statements include M&#038;T and all of its subsidiaries. All significant intercompany accounts and transactions of consolidated subsidiaries have been eliminated in consolidation. The financial statements of M&#038;T included in note&#160;26 report investments in subsidiaries under the equity method. Information about some limited purpose entities that are affiliates of the Company but are not included in the consolidated financial statements appears in note&#160;19. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Consolidated Statement of Cash Flows </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">For purposes of this statement, cash and due from banks and federal funds sold are considered cash and cash equivalents. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Securities purchased under agreements to resell and securities sold under agreements to repurchase </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Securities purchased under agreements to resell and securities sold under agreements to repurchase are treated as collateralized financing transactions and are recorded at amounts equal to the cash or other consideration exchanged. It is generally the Company&#8217;s policy to take possession of collateral pledged to secure agreements to resell. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Trading account </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Financial instruments used for trading purposes are stated at fair value. Realized gains and losses and unrealized changes in fair value of financial instruments utilized in trading activities are included in &#8220;trading account and foreign exchange gains&#8221; in the consolidated statement of income. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Investment securities </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2"> Investments in debt securities are classified as held to maturity and stated at amortized cost when management has the positive intent and ability to hold such securities to maturity. Investments in other debt securities and equity securities having readily determinable fair values are classified as available for sale and stated at estimated fair value. Amortization of premiums and accretion of discounts for investment securities available for sale and held to maturity are included in interest income. Except for investment securities for which the Company has entered into a related fair value hedge, unrealized gains or losses on investment securities available for sale are reflected in accumulated other comprehensive income (loss), net of applicable income taxes. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">Other securities are stated at cost and include stock of the Federal Reserve Bank of New York and the Federal Home Loan Bank (&#8220;FHLB&#8221;) of New York. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">The cost basis of individual securities is written down through a charge to earnings when declines in value below amortized cost are considered to be other than temporary. In cases where fair value is less than amortized cost and the Company intends to sell a debt security, it is more likely than not to be required to sell a debt security before recovery of its amortized cost basis, or the Company does not expect to recover the entire amortized cost basis of a debt security, an other-than-temporary impairment is considered to have occurred. If the Company intends to sell the debt security or more likely than not will be required to sell the security before recovery of its amortized cost basis, the other-than-temporary impairment is recognized in earnings equal to the entire difference between the debt security&#8217;s amortized cost basis and its fair value. If the Company does not expect to recover the entire amortized cost basis of the security, the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the other-than-temporary impairment is separated into (a)&#160;the amount representing the credit loss and (b)&#160;the amount related to all other factors. The amount of the other-than-temporary impairment related to the credit loss is recognized in earnings while the amount related to other factors is recognized in other comprehensive income, net of applicable taxes. Subsequently, the Company accounts for the other-than-temporarily impaired debt security as if the security had been purchased on the measurement date of the other-than-temporary impairment at an amortized cost basis equal to the previous amortized cost basis less the other-than-temporary impairment recognized in earnings. The cost basis of individual equity securities is written down to estimated fair value through a charge to earnings when declines in value below cost are considered to be other than temporary. Realized gains and losses on the sales of investment securities are determined using the specific identification method. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Loans and leases </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2"> The Company&#8217;s accounting methods for loans depends on whether the loans were originated by the Company or were acquired in a business combination. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><u>Originated loans and leases </u></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Interest income on loans is accrued on a level yield method. Loans are placed on nonaccrual status and previously accrued interest thereon is charged against income when principal or interest is delinquent 90&#160;days, unless management determines that the loan status clearly warrants other treatment. Nonaccrual commercial loans and commercial real estate loans are returned to accrual status when borrowers have demonstrated an ability to repay their loans and there are no delinquent principal and interest payments. Consumer loans not secured by residential real estate are returned to accrual status when all past due principal and interest payments have been paid by the borrower. Loans secured by residential real estate are returned to accrual status when they are deemed to have an insignificant delay in payments of 90 days or less. Loan balances are charged off when it becomes evident that such balances are not fully collectible. For commercial loans and commercial real estate loans, charge-offs are recognized after an assessment by credit personnel of the capacity and willingness of the borrower to repay, the estimated value of any collateral, and any other potential sources of repayment. A charge-off is recognized when, after such assessment, it becomes evident that the loan balance is not fully collectible. For loans secured by residential real estate, the excess of the loan balances over the net realizable value of the property collateralizing the loan is charged-off when the loan becomes 150&#160;days delinquent. Consumer loans are generally charged-off when the loans are 91 to 180 days past due, depending on whether the loan is collateralized and the status of repossession activities with respect to such collateral. Loan fees and certain direct loan origination costs are deferred and recognized as an interest yield adjustment over the life of the loan. Net deferred fees have been included in unearned discount as a reduction of loans outstanding. Commitments to sell real estate loans are utilized by the Company to hedge the exposure to changes in fair value of real estate loans held for sale. The carrying value of hedged real estate loans held for sale recorded in the consolidated balance sheet includes changes in estimated fair market value during the hedge period, typically from the date of close through the sale date. Valuation adjustments made on these loans and commitments are included in &#8220;mortgage banking revenues.&#8221; </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">Except for consumer and residential mortgage loans that are considered smaller balance homogenous loans and are evaluated collectively, the Company considers a loan to be impaired for purposes of applying GAAP when, based on current information and events, it is probable that the Company will be unable to collect all amounts according to the contractual terms of the loan agreement or the loan is delinquent 90&#160;days. Regardless of loan type, the Company considers a loan to be impaired if it qualifies as a troubled debt restructuring. Impaired loans are classified as either nonaccrual or as loans renegotiated at below market rates which continue to accrue interest, provided that a credit assessment of the borrower&#8217;s financial condition results in an expectation of full repayment under the modified contractual terms. Certain loans greater than 90&#160;days delinquent are not considered impaired if they are both well-secured and in the process of collection. Loans less than 90&#160;days delinquent are deemed to have an insignificant delay in payment and are generally not considered impaired. Impairment of a loan is measured based on the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate, the loan&#8217;s observable market price, or the fair value of collateral if the loan is collateral-dependent. Interest received on impaired loans placed on nonaccrual status is generally applied to reduce the carrying value of the loan or, if principal is considered fully collectible, recognized as interest income. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2"> Residual value estimates for commercial leases are generally determined through internal or external reviews of the leased property. The Company reviews commercial lease residual values at least annually and recognizes residual value impairments deemed to be other than temporary. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><u>Loans and leases acquired in a business combination </u></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Due to changes in GAAP, loans acquired in a business combination subsequent to December&#160;31, 2008 are recorded at fair value with no carry-over of an acquired entity&#8217;s previously established allowance for credit losses. The excess of cash flows expected at acquisition over the estimated fair value of acquired loans is recognized as interest income over the remaining lives of the loans. Subsequent decreases in the expected principal cash flows require the Company to evaluate the need for additions to the Company&#8217;s allowance for credit losses. Subsequent improvements in expected cash flows result first in the recovery of any applicable allowance for credit losses and then in recognition of additional interest income over the then remaining lives of the loans. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2"> Purchased impaired loans represent specifically identified loans with evidence of credit deterioration for which it was probable at acquisition that the Company would be unable to collect all contractual principal and interest payments. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Allowance for credit losses </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">The allowance for credit losses represents, in management&#8217;s judgment, the amount of losses inherent in the loan and lease portfolio as of the balance sheet date. The allowance is determined by management&#8217;s evaluation of the loan and lease portfolio based on such factors as the differing economic risks associated with each loan category, the current financial condition of specific borrowers, the economic environment in which borrowers operate, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or indemnifications. The effects of probable decreases in expected principal cash flows on acquired loans are also considered in the establishment of the allowance for credit losses. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Assets taken in foreclosure of defaulted loans </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Assets taken in foreclosure of defaulted loans are primarily comprised of commercial and residential real property and are included in &#8220;other assets&#8221; in the consolidated balance sheet. Upon acquisition of assets taken in satisfaction of a defaulted loan, the excess of the remaining loan balance over the asset&#8217;s estimated fair value less costs to sell is charged off against the allowance for credit losses. Subsequent declines in value of the assets are recognized as &#8220;other expense&#8221; in the consolidated statement of income. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Premises and equipment </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2"> Premises and equipment are stated at cost less accumulated depreciation. Depreciation expense is computed principally using the straight-line method over the estimated useful lives of the assets. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Capitalized servicing rights </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Capitalized servicing assets are included in &#8220;other assets&#8221; in the consolidated balance sheet. Separately recognized servicing assets are initially measured at fair value. The Company uses the amortization method to subsequently measure servicing assets. Under that method, capitalized servicing assets are charged to expense in proportion to and over the period of estimated net servicing income. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">To estimate the fair value of servicing rights, the Company considers market prices for similar assets and the present value of expected future cash flows associated with the servicing rights calculated using assumptions that market participants would use in estimating future servicing income and expense. Such assumptions include estimates of the cost of servicing loans, loan default rates, an appropriate discount rate, and prepayment speeds. For purposes of evaluating and measuring impairment of capitalized servicing rights, the Company stratifies such assets based on the predominant risk characteristics of the underlying financial instruments that are expected to have the most impact on projected prepayments, cost of servicing and other factors affecting future cash flows associated with the servicing rights. Such factors may include financial asset or loan type, note rate and term. The amount of impairment recognized is the amount by which the carrying value of the capitalized servicing rights for a stratum exceeds estimated fair value. Impairment is recognized through a valuation allowance. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Sales and securitizations of financial assets </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Due to changes in GAAP, transfers of financial assets that occur on or after January&#160;1, 2010 for which the Company has surrendered control of the financial assets are accounted for as sales. Interests in a sale of financial assets that continue to be held by the Company, including servicing rights, are measured at fair value. Prior to January&#160;1, 2010, transfers of financial assets for which the Company had surrendered control of the financial assets were accounted for as sales to the extent that consideration other than beneficial interests in the transferred assets was received in exchange. Interests in a sale or securitization of financial assets that continued to be held by the Company, other than servicing rights which were initially measured at fair value, were measured at the date of transfer by allocating the previous carrying amount between the assets transferred and the retained interests based on their relative estimated fair values. The fair values of retained debt securities are generally determined through reference to independent pricing information. The fair values of retained servicing rights and any other retained interests are determined based on the present value of expected future cash flows associated with those interests and by reference to market prices for similar assets. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">Also due to changes in GAAP, for transfers of financial assets that occur on or after January&#160;1, 2010 the exception that permitted sale accounting for certain mortgage securitizations when a transferor has not surrendered control over the transferred assets was eliminated. The change in GAAP also eliminated the concept of qualifying special-purpose entities. As a result, beginning January&#160;1, 2010, all formerly qualifying special-purpose entities had to be re-evaluated in accordance with the applicable consolidation guidance. Additional information on the effects of this accounting change and changes in the accounting guidance relating to the consolidation of variable interest entities is included in note&#160;19. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Goodwill and core deposit and other intangible assets </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Goodwill represents the excess of the cost of an acquired entity over the fair value of the identifiable net assets acquired. Goodwill is not amortized, but rather is tested for impairment at least annually at the reporting unit level, which is either at the same level or one level below an operating segment. Other acquired intangible assets with finite lives, such as core deposit intangibles, are initially recorded at estimated value and are amortized over their estimated lives. Core deposit and other intangible assets are generally amortized using accelerated methods over estimated useful lives of five to ten years. The Company periodically assesses whether events or changes in circumstances indicate that the carrying amounts of core deposit and other intangible assets may be impaired. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Derivative financial instruments </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2"> The Company accounts for derivative financial instruments at fair value. 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The amended guidance instead requires a reporting entity to qualitatively assess the determination of the primary beneficiary of a variable interest entity based on whether the reporting entity has the power to direct the activities that most significantly impact the variable interest entity&#8217;s economic performance and has the obligation to absorb losses or the right to receive benefits of the variable interest entity that could potentially be significant to the variable interest entity. 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Effective January&#160;1, 2010, the Company determined that it was the primary beneficiary of both securitization trusts under the amended consolidation rules considering its role as servicer and its retained subordinated interests in the trusts. As a result, beginning January&#160;1, 2010, the Company included the one-to-four family residential mortgage loans that were included in the two non-recourse securitization transactions in its consolidated financial statements. The effect of that consolidation on January&#160;1, 2010 was to increase loans receivable by $424&#160;million, decrease the amortized cost of available-for-sale investment securities by $360&#160;million (fair value of $355&#160;million), and increase borrowings by $65&#160;million. The transition adjustment at January&#160;1, 2010 as a result of the Company&#8217;s adoption of the new accounting requirements was not significant. 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Because the transaction was non-recourse, the Company&#8217;s maximum exposure to loss as a result of its association with the trust at December&#160;31, 2011 is limited to realizing the carrying value of the loans less the amount of the mortgage-backed securities held by third parties. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2"> In 2009, the Company securitized approximately $141&#160;million of one-to-four family residential mortgage loans in guaranteed mortgage securitizations with Fannie Mae. There were no such securitizations in 2011 and 2010. The Company recognized no gain or loss on the transactions as it retained all of the resulting securities. Such securities were classified as investment securities available for sale. 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Mutual funds held in connection with deferred compensation arrangements have been classified as Level&#160;1 valuations. 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The modeling techniques included discounting estimated cash flows using bond-specific assumptions about defaults, deferrals and prepayments of the trust preferred securities underlying each bond. The estimation of cash flows included assumptions as to future collateral defaults and related loss severities. The resulting cash flows were then discounted by reference to market yields observed in the single-name trust preferred securities market. At December&#160;31, 2011, the total amortized cost and fair value of securities backed by trust preferred securities issued by financial institutions and other entities were $44&#160;million and $53&#160;million, respectively and at December&#160;31, 2010 were $95 million and $111 million, respectively. 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Such amounts are generally based on the fair value of the underlying collateral supporting the loan and, as a result, the carrying value of the loan less the calculated valuation amount does not necessarily represent the fair value of the loan. Real estate collateral is typically valued using appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace and the related nonrecurring fair value measurement adjustments have generally been classified as Level&#160;2, unless significant adjustments have been made to the valuation that are not readily observable by market participants. Estimates of fair value used for other collateral supporting commercial loans generally are based on assumptions not observable in the marketplace and therefore such valuations have been classified as Level&#160;3. 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In an effort to raise its capital position to meet new Irish government-mandated capital requirements, AIB sold those shares on November&#160;4, 2010 and, as a result, the provisions of the Agreement and Plan of Reorganization between M&#038;T and AIB related to AIB&#8217;s rights as a substantial shareholder in the corporate governance of M&#038;T became inoperative as of that date. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Note 25 - mtb:RelationshipWithOtherEntitiesTextBlock--> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b>25.&#160;&#160;&#160;&#160;Relationship with Bayview Lending Group LLC and Bayview Financial Holdings, L.P. </b></font></p> <p style="margin-top:6px;margin-bottom:0px"><font style="font-family:times new roman" size="2">M&#038;T holds a 20% interest in BLG, a privately-held commercial mortgage lender. 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All significant intercompany accounts and transactions of consolidated subsidiaries have been eliminated in consolidation. The financial statements of M&#038;T included in note&#160;26 report investments in subsidiaries under the equity method. Information about some limited purpose entities that are affiliates of the Company but are not included in the consolidated financial statements appears in note&#160;19. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Accounting Policy: mtb-20111231_note1_accounting_policy_table2 - us-gaap:CashAndCashEquivalentsPolicyTextBlock--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Consolidated Statement of Cash Flows </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">For purposes of this statement, cash and due from banks and federal funds sold are considered cash and cash equivalents. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Accounting Policy: mtb-20111231_note1_accounting_policy_table3 - us-gaap:RepurchaseAndResaleAgreementsPolicy--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Securities purchased under agreements to resell and securities sold under agreements to repurchase </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Securities purchased under agreements to resell and securities sold under agreements to repurchase are treated as collateralized financing transactions and are recorded at amounts equal to the cash or other consideration exchanged. 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Investments in other debt securities and equity securities having readily determinable fair values are classified as available for sale and stated at estimated fair value. Amortization of premiums and accretion of discounts for investment securities available for sale and held to maturity are included in interest income. Except for investment securities for which the Company has entered into a related fair value hedge, unrealized gains or losses on investment securities available for sale are reflected in accumulated other comprehensive income (loss), net of applicable income taxes. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">Other securities are stated at cost and include stock of the Federal Reserve Bank of New York and the Federal Home Loan Bank (&#8220;FHLB&#8221;) of New York. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">The cost basis of individual securities is written down through a charge to earnings when declines in value below amortized cost are considered to be other than temporary. In cases where fair value is less than amortized cost and the Company intends to sell a debt security, it is more likely than not to be required to sell a debt security before recovery of its amortized cost basis, or the Company does not expect to recover the entire amortized cost basis of a debt security, an other-than-temporary impairment is considered to have occurred. If the Company intends to sell the debt security or more likely than not will be required to sell the security before recovery of its amortized cost basis, the other-than-temporary impairment is recognized in earnings equal to the entire difference between the debt security&#8217;s amortized cost basis and its fair value. If the Company does not expect to recover the entire amortized cost basis of the security, the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the other-than-temporary impairment is separated into (a)&#160;the amount representing the credit loss and (b)&#160;the amount related to all other factors. The amount of the other-than-temporary impairment related to the credit loss is recognized in earnings while the amount related to other factors is recognized in other comprehensive income, net of applicable taxes. Subsequently, the Company accounts for the other-than-temporarily impaired debt security as if the security had been purchased on the measurement date of the other-than-temporary impairment at an amortized cost basis equal to the previous amortized cost basis less the other-than-temporary impairment recognized in earnings. The cost basis of individual equity securities is written down to estimated fair value through a charge to earnings when declines in value below cost are considered to be other than temporary. Realized gains and losses on the sales of investment securities are determined using the specific identification method. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Accounting Policy: mtb-20111231_note1_accounting_policy_table6 - us-gaap:ReceivablesPolicyTextBlock--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Loans and leases </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2"> The Company&#8217;s accounting methods for loans depends on whether the loans were originated by the Company or were acquired in a business combination. </font></p> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><u>Originated loans and leases </u></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Interest income on loans is accrued on a level yield method. Loans are placed on nonaccrual status and previously accrued interest thereon is charged against income when principal or interest is delinquent 90&#160;days, unless management determines that the loan status clearly warrants other treatment. Nonaccrual commercial loans and commercial real estate loans are returned to accrual status when borrowers have demonstrated an ability to repay their loans and there are no delinquent principal and interest payments. Consumer loans not secured by residential real estate are returned to accrual status when all past due principal and interest payments have been paid by the borrower. Loans secured by residential real estate are returned to accrual status when they are deemed to have an insignificant delay in payments of 90 days or less. Loan balances are charged off when it becomes evident that such balances are not fully collectible. For commercial loans and commercial real estate loans, charge-offs are recognized after an assessment by credit personnel of the capacity and willingness of the borrower to repay, the estimated value of any collateral, and any other potential sources of repayment. A charge-off is recognized when, after such assessment, it becomes evident that the loan balance is not fully collectible. For loans secured by residential real estate, the excess of the loan balances over the net realizable value of the property collateralizing the loan is charged-off when the loan becomes 150&#160;days delinquent. Consumer loans are generally charged-off when the loans are 91 to 180 days past due, depending on whether the loan is collateralized and the status of repossession activities with respect to such collateral. Loan fees and certain direct loan origination costs are deferred and recognized as an interest yield adjustment over the life of the loan. Net deferred fees have been included in unearned discount as a reduction of loans outstanding. Commitments to sell real estate loans are utilized by the Company to hedge the exposure to changes in fair value of real estate loans held for sale. The carrying value of hedged real estate loans held for sale recorded in the consolidated balance sheet includes changes in estimated fair market value during the hedge period, typically from the date of close through the sale date. Valuation adjustments made on these loans and commitments are included in &#8220;mortgage banking revenues.&#8221; </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">Except for consumer and residential mortgage loans that are considered smaller balance homogenous loans and are evaluated collectively, the Company considers a loan to be impaired for purposes of applying GAAP when, based on current information and events, it is probable that the Company will be unable to collect all amounts according to the contractual terms of the loan agreement or the loan is delinquent 90&#160;days. Regardless of loan type, the Company considers a loan to be impaired if it qualifies as a troubled debt restructuring. Impaired loans are classified as either nonaccrual or as loans renegotiated at below market rates which continue to accrue interest, provided that a credit assessment of the borrower&#8217;s financial condition results in an expectation of full repayment under the modified contractual terms. Certain loans greater than 90&#160;days delinquent are not considered impaired if they are both well-secured and in the process of collection. Loans less than 90&#160;days delinquent are deemed to have an insignificant delay in payment and are generally not considered impaired. Impairment of a loan is measured based on the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate, the loan&#8217;s observable market price, or the fair value of collateral if the loan is collateral-dependent. Interest received on impaired loans placed on nonaccrual status is generally applied to reduce the carrying value of the loan or, if principal is considered fully collectible, recognized as interest income. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2"> Residual value estimates for commercial leases are generally determined through internal or external reviews of the leased property. 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Subsequent improvements in expected cash flows result first in the recovery of any applicable allowance for credit losses and then in recognition of additional interest income over the then remaining lives of the loans. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2"> Purchased impaired loans represent specifically identified loans with evidence of credit deterioration for which it was probable at acquisition that the Company would be unable to collect all contractual principal and interest payments. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Accounting Policy: mtb-20111231_note1_accounting_policy_table7 - us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Allowance for credit losses </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">The allowance for credit losses represents, in management&#8217;s judgment, the amount of losses inherent in the loan and lease portfolio as of the balance sheet date. The allowance is determined by management&#8217;s evaluation of the loan and lease portfolio based on such factors as the differing economic risks associated with each loan category, the current financial condition of specific borrowers, the economic environment in which borrowers operate, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or indemnifications. The effects of probable decreases in expected principal cash flows on acquired loans are also considered in the establishment of the allowance for credit losses. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Accounting Policy: mtb-20111231_note1_accounting_policy_table8 - us-gaap:LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Assets taken in foreclosure of defaulted loans </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Assets taken in foreclosure of defaulted loans are primarily comprised of commercial and residential real property and are included in &#8220;other assets&#8221; in the consolidated balance sheet. Upon acquisition of assets taken in satisfaction of a defaulted loan, the excess of the remaining loan balance over the asset&#8217;s estimated fair value less costs to sell is charged off against the allowance for credit losses. Subsequent declines in value of the assets are recognized as &#8220;other expense&#8221; in the consolidated statement of income. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Accounting Policy: mtb-20111231_note1_accounting_policy_table9 - us-gaap:PropertyPlantAndEquipmentPolicyTextBlock--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Premises and equipment </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2"> Premises and equipment are stated at cost less accumulated depreciation. Depreciation expense is computed principally using the straight-line method over the estimated useful lives of the assets. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Accounting Policy: mtb-20111231_note1_accounting_policy_table10 - us-gaap:InterestsContinuedToBeHeldByTransferorInFinancialAssetsThatItHasSecuritizedOrServicingAssetsOrLiabilitiesPolicy--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Capitalized servicing rights </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Capitalized servicing assets are included in &#8220;other assets&#8221; in the consolidated balance sheet. Separately recognized servicing assets are initially measured at fair value. The Company uses the amortization method to subsequently measure servicing assets. Under that method, capitalized servicing assets are charged to expense in proportion to and over the period of estimated net servicing income. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">To estimate the fair value of servicing rights, the Company considers market prices for similar assets and the present value of expected future cash flows associated with the servicing rights calculated using assumptions that market participants would use in estimating future servicing income and expense. Such assumptions include estimates of the cost of servicing loans, loan default rates, an appropriate discount rate, and prepayment speeds. For purposes of evaluating and measuring impairment of capitalized servicing rights, the Company stratifies such assets based on the predominant risk characteristics of the underlying financial instruments that are expected to have the most impact on projected prepayments, cost of servicing and other factors affecting future cash flows associated with the servicing rights. Such factors may include financial asset or loan type, note rate and term. The amount of impairment recognized is the amount by which the carrying value of the capitalized servicing rights for a stratum exceeds estimated fair value. 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Prior to January&#160;1, 2010, transfers of financial assets for which the Company had surrendered control of the financial assets were accounted for as sales to the extent that consideration other than beneficial interests in the transferred assets was received in exchange. Interests in a sale or securitization of financial assets that continued to be held by the Company, other than servicing rights which were initially measured at fair value, were measured at the date of transfer by allocating the previous carrying amount between the assets transferred and the retained interests based on their relative estimated fair values. The fair values of retained debt securities are generally determined through reference to independent pricing information. The fair values of retained servicing rights and any other retained interests are determined based on the present value of expected future cash flows associated with those interests and by reference to market prices for similar assets. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">Also due to changes in GAAP, for transfers of financial assets that occur on or after January&#160;1, 2010 the exception that permitted sale accounting for certain mortgage securitizations when a transferor has not surrendered control over the transferred assets was eliminated. The change in GAAP also eliminated the concept of qualifying special-purpose entities. As a result, beginning January&#160;1, 2010, all formerly qualifying special-purpose entities had to be re-evaluated in accordance with the applicable consolidation guidance. Additional information on the effects of this accounting change and changes in the accounting guidance relating to the consolidation of variable interest entities is included in note&#160;19. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Accounting Policy: mtb-20111231_note1_accounting_policy_table12 - us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Goodwill and core deposit and other intangible assets </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2">Goodwill represents the excess of the cost of an acquired entity over the fair value of the identifiable net assets acquired. Goodwill is not amortized, but rather is tested for impairment at least annually at the reporting unit level, which is either at the same level or one level below an operating segment. Other acquired intangible assets with finite lives, such as core deposit intangibles, are initially recorded at estimated value and are amortized over their estimated lives. Core deposit and other intangible assets are generally amortized using accelerated methods over estimated useful lives of five to ten years. The Company periodically assesses whether events or changes in circumstances indicate that the carrying amounts of core deposit and other intangible assets may be impaired. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Accounting Policy: mtb-20111231_note1_accounting_policy_table13 - us-gaap:DerivativesPolicyTextBlock--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b><i>Derivative financial instruments </i></b></font></p> <p style="margin-top:0px;margin-bottom:0px"><font style="font-family:times new roman" size="2"> The Company accounts for derivative financial instruments at fair value. If certain conditions are met, a derivative may be specifically designated as (a)&#160;a hedge of the exposure to changes in the fair value of a recognized asset or liability or an unrecognized firm commitment, (b)&#160;a hedge of the exposure to variable cash flows of a forecasted transaction or (c)&#160;a hedge of the foreign currency exposure of a net investment in a foreign operation, an unrecognized firm commitment, an available for sale security, or a foreign currency denominated forecasted transaction. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2"> The Company utilizes interest rate swap agreements as part of the management of interest rate risk to modify the repricing characteristics of certain portions of its portfolios of earning assets and interest-bearing liabilities. For such agreements, amounts receivable or payable are recognized as accrued under the terms of the agreement and the net differential is recorded as an adjustment to interest income or expense of the related asset or liability. Interest rate swap agreements may be designated as either fair value hedges or cash flow hedges. In a fair value hedge, the fair values of the interest rate swap agreements and changes in the fair values of the hedged items are recorded in the Company&#8217;s consolidated balance sheet with the corresponding gain or loss recognized in current earnings. The difference between changes in the fair values of interest rate swap agreements and the hedged items represents hedge ineffectiveness and is recorded in &#8220;other revenues from operations&#8221; in the consolidated statement of income. In a cash flow hedge, the effective portion of the derivative&#8217;s unrealized gain or loss is initially recorded as a component of other comprehensive income and subsequently reclassified into earnings when the forecasted transaction affects earnings. The ineffective portion of the unrealized gain or loss is reported in &#8220;other revenues from operations&#8221; immediately. </font></p> <p style="margin-top:0px;margin-bottom:0px; text-indent:6%"><font style="font-family:times new roman" size="2">The Company utilizes commitments to sell real estate loans to hedge the exposure to changes in the fair value of real estate loans held for sale. 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