The Corporation 's capital ratios continue to exceed federal bank regulatory agency " well capitalized " thresholds . As of September 30 , 2009 , the Corporation 's estimated total risk-based capital ratio was 13.1 % , the estimated tier 1 risk-based capital ratio was 11.7 % and the leverage capital ratio was 8.7 % , which compares favorably to the same ratios as of December 31 , 2008 of 11.1 % , 9.7 % and 7.3 % , respectively .