CAPITAL Capital ratios remain strong. • Preliminary total risk-based capital down 3 bps to 12.71% and preliminary regulatory Tier 1 capital down 7 bps to 11.33%, as strong retained earnings were more than offset by the CapStar transaction and loan growth. • Tangible common equity to tangible assets was 6.94% compared to 6.86%. CAPSTAR TRANSACTION 3 The Company presents EPS, the efficiency ratio, return on average common equity, return on average tangible common equity, and net income applicable to common sh ...