Espirito Santo Bank booked a profit in Miami, but its parent company in Portugal was rocked by a major loss that lowered its capital to troubling levels. Banco Espirito Santo lost $4.8 billion in the first half of 2014, the company said Wednesday. That dropped its Tier 1 capital ratio to 5 percent, which is below the 7 percent requirement in Europe for a “well capitalized” bank. Some of those losses were due to the bank’s exposure to loans granted to several holding companies that own an…