Print

Financial Health - Texas Ratio

As of 09/30/2015
Low Risk

The Texas ratio is a measure of a bank's credit troubles. It is a way to measure how risky a bank is. The higher the Texas ratio, the more severe the credit troubles. Any bank with a TX Ratio near or greater than 100% is considered at risk. Developed by Gerard Cassidy and others at RBC Capital Markets, it is calculated by dividing the value of the lender's non-performing assets (Non performing loans + Real Estate Owned) by the sum of its tangible common equity capital and loan loss reserves.

Arizona Bank & Trust has a texas ratio of 9.57 which puts it at low risk. As of 09/30/2015 the bank had $1,867 Non Current Loans and Leases, $5,506 Other Real Estate Owned, $73,217 Total Equity Capital and $3,803 Loan Loss Allowance.

Historical Texas Ratios

Date Non Current Loans and Leases Other Real Estate Owned Total Equity Capital Loan Loss Allowance TX Ratio
09/30/2015 $1,867 $5,506 $73,217 $3,803 9.57
06/30/2015 $1,003 $5,516 $54,356 $3,700 11.23
03/31/2015 $1,010 $5,832 $53,340 $3,567 12.02
12/31/2014 $2,156 $6,311 $52,322 $3,258 15.23
09/30/2014 $2,732 $6,876 $51,198 $3,432 17.59
06/30/2014 $2,946 $6,951 $50,625 $3,754 18.2
03/31/2014 $3,200 $8,126 $49,018 $3,913 21.4
12/31/2013 $4,413 $7,157 $47,766 $4,133 22.29
09/30/2013 $1,862 $7,487 $47,609 $3,841 18.17
06/30/2013 $2,240 $7,216 $47,594 $3,573 18.48
03/31/2013 $3,379 $6,280 $47,648 $4,065 18.68
12/31/2012 $3,550 $6,255 $30,568 $4,444 28
09/30/2012 $5,410 $2,988 $29,293 $4,723 24.69
06/30/2012 $5,645 $3,708 $27,472 $5,390 28.46
03/31/2012 $5,755 $3,919 $22,941 $5,315 34.24
12/31/2011 $7,927 $2,974 $21,050 $4,626 42.46
09/30/2011 $10,811 $2,068 $22,566 $5,590 45.74
06/30/2011 $4,054 $3,327 $23,183 $5,502 25.73
03/31/2011 $6,959 $3,102 $22,379 $6,017 35.43
12/31/2010 $8,797 $2,967 $24,052 $5,407 39.93
09/30/2010 $5,758 $1,214 $24,390 $5,915 23.01
06/30/2010 $5,164 $1,170 $19,479 $7,912 23.12
03/31/2010 $4,922 $585 $20,142 $7,056 20.25
12/31/2009 $5,158 $619 $20,196 $3,826 24.05
09/30/2009 $6,644 $1,494 $25,341 $4,380 27.38
06/30/2009 $5,806 $0 $25,807 $2,520 20.5
03/31/2009 $5,234 $6,121 $24,491 $3,933 39.95