Huntington National Bank 2015 Annual Report Download - page 78
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70
regulations related to flood disaster protection, equal credit opportunity, fair lending, and/or other courses related to the extension of
credit. We set a high standard of expectation for adherence to compliance management and seek to continuously enhance our
performance.
Capital
(This section should be read in conjunction with the Regulatory Matters section included in Part 1, Item 1 and Note 21 of the Notes to
Consolidated Financial Statements.)
Both regulatory capital and shareholders’ equity are managed at the Bank and on a consolidated basis. We have an active
program for managing capital and maintain a comprehensive process for assessing the Company’s overall capital adequacy. We
believe our current levels of both regulatory capital and shareholders’ equity are adequate.
Regulatory Capital
Beginning in the 2015 first quarter, we became subject to the Basel III capital requirements including the standardized approach
for calculating risk-weighted assets in accordance with subpart D of the final capital rule. The following table presents risk-weighted
assets and other financial data necessary to calculate certain financial ratios, including the common CET1 on a Basel III basis, which
we use to measure capital adequacy.
Table 29 - Capital Under Current Regulatory Standards (transitional Basel III basis)
(dollar amounts in millions except per share amounts)
At December 31,
2015
Common equity tier 1 risk-based capital ratio:
Total shareholders’ equity $ 6,595
Regulatory capital adjustments:
Shareholders’ preferred equity (386)
Accumulated other comprehensive loss (income) offset 226
Goodwill and other intangibles, net of taxes (695)
Deferred tax assets that arise from tax loss and credit carryforwards (19)
Common equity tier 1 capital 5,721
Additional tier 1 capital
Shareholders’ preferred equity 386
Qualifying capital instruments subject to phase-out 76
Other (29)
Tier 1 capital 6,154
LTD and other tier 2 qualifying instruments 563
Qualifying allowance for loan and lease losses 670
Tier 2 capital 1,233
Total risk-based capital $ 7,387
Risk-weighted assets (RWA) $ 58,420
Common equity tier 1 risk-based capital ratio 9.79%
Other regulatory capital data:
Tier 1 leverage ratio 8.79
Tier 1 risk-based capital ratio 10.53
Total risk-based capital ratio 12.64
Tangible common equity / RWA ratio 9.41