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Glossary
The following are defintions for financial terms used throughout our investor relations section.
Tax
A contribution for the support of a government required of persons, groups, or businesses within the domain of that government. Corporations generally pay federal taxes as well as state and local taxes in the jurisdiction in which they operate their business.
Term Debt
Borrowing for a fixed term. Usually, matching the duration of the underlying asset pool securing the loan.
Tier 1 Ratio
A term used to describe the capital adequacy of a bank. Tier 1 capital is core capital and includes equity capital and disclosed reserves.
Total Risk-Based Capital Ratio
Net income divided by the total risk-based capital, which includes qualifying subordinated debt and allowance for loan loss and excludes goodwill and other intangible assets.
Transfer Agent
Financial institution that maintains a company’s records of investors, account balances, transactions, holds shareholder certificates, and manages other shareholder-related issues.
