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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.

Collinsville Savings Society has a texas ratio of 20.07 which puts it at low risk. As of 09/30/2015 the bank had $2,509 Non Current Loans and Leases, $489 Other Real Estate Owned, $14,057 Total Equity Capital and $880 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 $2,509 $489 $14,057 $880 20.07
06/30/2015 $2,643 $148 $13,921 $903 18.83
03/31/2015 $2,551 $148 $13,939 $905 18.18
12/31/2014 $3,177 $316 $13,890 $902 23.61
09/30/2014 $3,432 $322 $13,730 $888 25.68
06/30/2014 $3,978 $0 $13,816 $894 27.04
03/31/2014 $4,221 $0 $13,660 $923 28.94
12/31/2013 $4,177 $0 $13,546 $922 28.87
09/30/2013 $4,230 $0 $13,531 $1,213 28.69
06/30/2013 $4,545 $536 $13,536 $1,214 34.45
03/31/2013 $5,731 $561 $13,700 $1,043 42.68
12/31/2012 $6,337 $746 $13,657 $1,034 48.21
09/30/2012 $5,373 $256 $13,954 $995 37.65
06/30/2012 $5,320 $256 $13,870 $959 37.6
03/31/2012 $5,859 $256 $13,721 $1,020 41.48
12/31/2011 $6,506 $0 $13,608 $1,201 43.93
09/30/2011 $6,304 $0 $13,507 $1,198 42.87
06/30/2011 $5,918 $495 $13,807 $693 44.23
03/31/2011 $5,778 $0 $13,676 $728 40.11
12/31/2010 $6,072 $1,030 $13,614 $608 49.94
09/30/2010 $4,802 $945 $13,656 $619 40.26
06/30/2010 $3,262 $933 $13,451 $577 29.9
03/31/2010 $2,741 $150 $13,541 $160 21.1
12/31/2009 $3,343 $150 $13,300 $1,560 23.51
09/30/2009 $2,020 $0 $13,796 $711 13.92
06/30/2009 $1,402 $0 $13,263 $710 10.03
03/31/2009 $1,330 $0 $13,136 $710 9.61