Capital Ratios definition

Capital Ratios means the Tier 1 and Tier 2 capital ratios calculated by a bank to determine if the bank satisfies certain capital requirements of the governmental regulatory agencies with jurisdiction over the bank. For example, assume that the Tier 1 capital ratio of the Original Issuing Bank was 10% and it decreases to 8.9%. In this event the Landlord would have the right to require Tenant to provide a New L/C to replace the L/C issued by the Original Issuing Bank.
Sample 1
Capital Ratios. Leverage ratio (Tier 1 capital-to-total assets)....... 10.34 % 8.96 % 8.52 % 8.78 % 9.32 % Average shareholders' equity to average total assets.. 10.61 8.30 8.29 8.42 8.38 Tier 1 risk-based capital ratio....................... 16.61 15.01 14.44 13.75 15.63 Total risk-based capital ratio........................ 17.86 16.26 15.69 15.00 16.88 -------------------------------------------------------------------------------- MANAGEMENT'S DISCUSSION AND ANALYSIS The following discussion and analysis of the consolidated financial condition and results of operations of Republic Banking Corporation of Florida ("Republic") for the years ended December 31, 1998, 1997, and 1996 should be read in conjunction with Republic's Consolidated Financial Statements and accompanying notes. All historical per share data has been restated to give effect to a 2.5-for-1 stock split completed in January 1998 and a 20% stock dividend issued in January 1996.
Sample 1
Capital Ratios. Leverage ratio (Tier 1 capital-to-total assets)...... 10.34% 10.35% 10.25% 10.23% Average shareholders' equity to average total assets. 10.88 10.90 10.89 10.20 Tier 1 risk-based capital ratio...................... 16.61 16.92 17.01 16.93 Total risk-based capital ratio....................... 17.86 18.17 18.25 18.18 -------------------------------------------------------------------------------- MANAGEMENT'S DISCUSSION AND ANALYSIS-(CONTINUED) SELECTED QUARTERLY DATA AS OF AND FOR THE THREE MONTHS ENDED, ----------------------------------------------------------- DECEMBER 31, SEPTEMBER 30, JUNE 30, MARCH 31, 1997 1997 1997 1997 ---------------------------------------------------------------------------------------------------------------------- (DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA) INCOME STATEMENT DATA: Interest income........................................ $ 28,901 $ 29,001 $ 28,748 $ 28,138 Interest expense....................................... 12,935 12,939 12,728 12,372 ---------------------------------------------------------------------------------------------------------------------- Net interest income.................................... 15,966 16,062 16,020 15,766 Provision for loan losses.............................. 1,962 1,473 1,231 900 ---------------------------------------------------------------------------------------------------------------------- Net interest income after provision for loan losses ... 14,004 14,589 14,789 14,866 Non-interest income.................................... 5,523 5,828 6,054 6,081 Non-interest expenses.................................. 12,790 13,542 13,588 12,669 ---------------------------------------------------------------------------------------------------------------------- Net income before taxes................................ 6,737 6,875 7,255 8,278 Provision for income tax expense....................... 2,372 2,082 2,254 2,909 Minority interest...................................... 132 334 347 375 ---------------------------------------------------------------------------------------------------------------------- Net income............................................. $ 4,233 $ 4,459 $ 4,654 $ 4,994 ====================================================================================================================== PER SHARE DATA: Basic and diluted earnings (quarter) .................. $ 0.22 $ 0.24 $ 0.25 $ 0.26 Book value............................................. 7.27 6.84 6.60 6.32 T...
Sample 1

Examples of Capital Ratios in a sentence

  • Asset Quality Ratios and Regulatory Capital Ratios are end of period ratios.

  • See Estimated Transitional Basel III and Pro forma Fully Phased-In Basel III Common Equity Tier 1 Capital Ratios and related information in the Appendix for further details.

  • The Borrower similarly will not permit SCM to allow (i) the average of two consecutive month-end Net Capital Ratios to be less than 7%, or (ii) any month-end Net Capital Ratio to be less than 5%.

  • The Borrower will not permit the Broker Subsidiary to allow (a) the average of two consecutive month-end Net Capital Ratios to be less than 7%, or (b) any month-end Net Capital Ratio to be less than 5%.

  • To be classified as a well capitalized financial institution, Total Risk-based, Tier 1 Risk-based, and Tier 1 Leverage Capital Ratios must be at least ten percent, six percent, and five percent, respectively.

  • Regulatory Capital Ratios In addition, in May 2006 we raised $20 million of regulatory capital through a private offering of trust preferred securities.

  • See page 16 of the Financial Supplement for details Capital Ratios and Risk - Weighted Assets Adjusted Tangible Book Value per Share Adjusted Tangible Book Value is a non - GAAP financial measure, which adjusts for certain items such as Series G discount and tax - effected OID .

  • Asset Quality Ratios and Capital Ratios are end of period ratios, except for charge-offs to average loans.

  • See Estimated Transitional Basel III and Pro forma Fully Phased-In Basel III Common Equity Tier 1 Capital Ratios slides and related information in the Appendix for further details.

  • Notwithstanding any other provision of this Agreement, Nonrecourse Deductions shall be allocated to the Members pro rata in accordance with their respective Capital Ratios.


More Definitions of Capital Ratios

Capital Ratios. Stockholders' equity to total assets.................. 6.91% 7.47 7.14 6.65 6.54 Average stockholders' equity to average assets................ 7.33% 7.52 6.81 6.61 6.13
Sample 1
Capital Ratios. Equity to total assets at end of year . . . . . . . . . . . . . . . . 11.45 11.94 13.45 15.41 7.89 Average equity to average assets . . . 11.47 12.43 14.70 11.50 7.65 Average interest-earning assets to average interest-bearing liabilities. . . . . . . . . . . . . 114.36 115.34 118.24 112.66 107.50
Sample 1
Capital Ratios. Average equity to average assets (average equity divided by average total assets) .............. 18.16 22.64 24.80 26.31 26.64 Equity to assets at period end ......... 16.34 21.50 23.75 26.37 27.14
Sample 1
Capital Ratios. Average equity to average assets (average equity divided by average total assets) ............... 22.64 24.80 26.31 26.64 28.18 Equity to assets at period end .......... 21.50 23.75 26.37 27.14 27.74 Asset Quality Ratios: Net interest income after provision for loan losses to total other expenses . 171.87 225.58 225.43 226.51 170.92 Non-performing loans to total loans ..... .51 .32 .57 .64 1.12 Non-performing loans to total assets .... .44 .25 .44 .47 .79 Stock Prices and Dividends The following table sets forth the range of high and low sales prices for the common stock as reported by the Wall Street Journal as well as dividends declared in each quarter for 2000 and 1999. Such over-the-counter market quotations reflect inter-dealer prices, without retail xxxx-up, xxxx-down, or commission and may not necessarily represent actual transactions. Quarterly Stock Information Fiscal 2000 Fiscal 1999 ------------------------------- ---------------------------------- Stock Price Range Stock Price Range ------------------ Per Share ------------------ Per Share Quarter Low High Dividend Low High Dividend -------------------------------------------------------------------------------- 1st $11.38 $14.00 $ .25 $13.75 $15.38 $ .30 2nd 10.50 13.38 .30 13.00 15.06 .20 3rd 9.69 13.00 -- 12.00 13.56 -- 4th 9.50 12.38 .30 12.63 14.00 .30 -------------------------------------------------------------------------------- Total $ .85 $ .80 ======== ========= MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS --------------------------------------------------------------------------------
Sample 1
Capital Ratios. Stockholders' equity to total assets.................. 6.78% 6.75 6.91 7.47 7.14 Average stockholders' equity to average assets................ 6.73% 6.47 7.33 7.52 6.81
Sample 1

Related to Capital Ratios

  • Debt to Capital Ratio means the ratio of (a) Consolidated Debt to (b) the sum of Borrower Net Worth plus Consolidated Debt.

  • Total risk-based capital ratio means the Total Risk-Based Capital Ratio determined in accordance with the rules and regulations of the appropriate Regulatory Authority as from time to time in effect, and any successor or other regulation or official interpretation of said Regulatory Authority relating thereto.

  • Common Equity Tier 1 Capital Ratio means (at any time):

  • Equity Ratio means the ratio of Equity to Total Assets.

  • Index Ratio means the Final Index Price divided by the Initial Index Price.

  • Adjusted Leverage Ratio means, on any date, the ratio of (a) Total Debt as of such date to (b) Adjusted Consolidated EBITDA for the period of four consecutive fiscal quarters of the Borrower most recently ended as of such date, all determined on a consolidated basis in accordance with GAAP.

  • Total Net Leverage Ratio means, as of any date of determination, the ratio, on a Pro Forma Basis, of (a) Consolidated Total Indebtedness as of such date to (b) Consolidated EBITDA for the most recently completed Test Period.

  • Expense Ratio is defined as a Fund's annual investment management fees and expenses (excluding taxes, interest, all brokerage commissions, other normal charges incident to the purchase and sale of portfolio securities, and extraordinary expenses) as a percentage of such Fund's daily net asset value.

  • Cash Flow Ratio means, as at any date, the ratio of (a) the sum of the aggregate outstanding principal amount of all Indebtedness of the Company and the Restricted Subsidiaries determined on a consolidated basis, but excluding all Interest Swap Obligations entered into by the Company or any Restricted Subsidiary and one of the Banks outstanding on such date, plus (but without duplication of Indebtedness supported by letters of credit) the aggregate undrawn face amount of all letters of credit outstanding on such date to (b) Annualized Operating Cash Flow determined as at the last day of the most recent month for which financial information is available.

  • Net Total Leverage Ratio means, on any date, the ratio of (A) (i) without duplication, the aggregate principal amount of any Consolidated Debt of the Borrower and its Subsidiaries outstanding as of the last day of the Test Period most recently ended as of such date less (ii) without duplication, the Unrestricted Cash and unrestricted Permitted Investments of the Borrower and its Subsidiaries as of the last day of such Test Period, to (B) Adjusted EBITDA for such Test Period, all determined on a consolidated basis in accordance with GAAP; provided, that the Net Total Leverage Ratio shall be determined for the relevant Test Period on a Pro Forma Basis.

  • Net Leverage Ratio means, at any time, the ratio of (a)(i) Consolidated Total Indebtedness at such time minus (ii) the Qualified Cash Amount to (b) Consolidated EBITDA for the most recently completed period of four fiscal quarters.

  • percentage ratios has the meaning ascribed to it under the Listing Rules;

  • Debt to Capitalization Ratio means, with respect to the Borrower, as of any date of determination, the ratio of (a) Total Debt for the Borrower as of such date to (b) Total Capitalization for the Borrower as of such date.

  • Debt to Equity Ratio means the ratio of the value of liabil- ities to equity, calculated according to s. 126.58 (6) (c) 2.

  • Consolidated Total Net Leverage Ratio means, with respect to any Test Period, the ratio of (a) Consolidated Total Net Debt as of the last day of such Test Period to (b) Consolidated EBITDA for such Test Period.

  • Margin Ratio is the percentage of the value of the Collateral up to which the Customer is permitted to borrow (or otherwise to secure other forms of financial accommodation) from the Company against the Collateral.

  • Total Leverage Ratio means, with respect to any Test Period, the ratio of (a) Consolidated Total Debt as of the last day of such Test Period to (b) Consolidated EBITDA for such Test Period.

  • Senior Net Leverage Ratio means, as of any date of determination, the ratio of (a) Senior Indebtedness on such date to (b) Consolidated Adjusted EBITDA for the period of four consecutive fiscal quarters of the Borrower ended on or prior to such time (taken as one accounting period) in which financial statements for each quarter or fiscal year in such period have been or were required to be delivered pursuant to Section 5.01(a) or (b) without giving effect to any grace period applicable thereto.

  • Cash Flow Leverage Ratio means, as of any time the same is to be determined, the ratio of (a) Funded Debt as of the last day of the most recent four fiscal quarters of the Company then ended minus Excess Cash as of the last day of the same such period to (b) EBITDA for the same most recent four fiscal quarters then ended.

  • Total Capital means Retained Earnings, the amount paid-in for Capital Stock, the amount of any general allowance for losses, and the amount of other instruments that the FHFA has determined to be available to absorb losses incurred by the Bank.

  • Leverage means the aggregate amount of indebtedness of the Company for money borrowed (including purchase money mortgage loans) outstanding at any time, both secured and unsecured.

  • Consolidated Leverage Ratio means, as of any date of determination, the ratio of (a) Consolidated Funded Indebtedness as of such date to (b) Consolidated EBITDA for the period of the four fiscal quarters most recently ended.

  • Debt to Cash Flow Ratio means, with respect to any Person as of any date of determination, the ratio of (a) the Consolidated Indebtedness of such Person as of such date, less cash and Cash Equivalents, to (b) the Consolidated Cash Flow of such Person for the four most recent full fiscal quarters ending immediately prior to such date for which internal financial statements are available. For purposes of making the computation referred to above:

  • Funded Debt to EBITDA Ratio means on any date the ratio of (a) Total Indebtedness to (b) EBITDA for the period of four consecutive Fiscal Quarters ended on such date (or, if such date is not the last day of a Fiscal Quarter, ended on the last day of the Fiscal Quarter most recently ended prior to such date).

  • Adjusted Base Rate means the Base Rate plus the Applicable Percentage.

  • Consolidated Total Leverage Ratio means, as of any date of determination, the ratio of (a) Consolidated Total Indebtedness on such date to (b) Consolidated EBITDA for the period of four (4) consecutive fiscal quarters ending on or immediately prior to such date.