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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.

Community National Bank has a texas ratio of 10.37 which puts it at low risk. As of 09/30/2015 the bank had $6,019 Non Current Loans and Leases, $1,058 Other Real Estate Owned, $63,220 Total Equity Capital and $5,016 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 $6,019 $1,058 $63,220 $5,016 10.37
06/30/2015 $5,540 $1,123 $62,161 $5,095 9.91
03/31/2015 $5,264 $1,239 $62,008 $5,003 9.7
12/31/2014 $5,279 $1,239 $61,337 $4,906 9.84
09/30/2014 $5,599 $1,098 $60,362 $4,886 10.26
06/30/2014 $5,823 $917 $59,552 $4,877 10.46
03/31/2014 $4,931 $866 $58,987 $4,838 9.08
12/31/2013 $5,637 $1,106 $58,490 $4,855 10.64
09/30/2013 $5,371 $1,125 $57,427 $4,799 10.44
06/30/2013 $4,325 $2,172 $56,596 $4,522 10.63
03/31/2013 $5,326 $880 $56,191 $4,493 10.23
12/31/2012 $5,136 $1,075 $55,650 $4,312 10.36
09/30/2012 $5,787 $1,150 $55,716 $4,115 11.59
06/30/2012 $7,629 $1,010 $54,259 $3,926 14.85
03/31/2012 $8,964 $220 $53,722 $3,952 15.92
12/31/2011 $9,195 $90 $53,227 $3,887 16.26
09/30/2011 $8,201 $0 $52,550 $3,836 14.54
06/30/2011 $6,024 $131 $52,310 $3,851 10.96
03/31/2011 $5,058 $765 $51,843 $3,710 10.48
12/31/2010 $5,784 $1,211 $51,437 $3,728 12.68
09/30/2010 $5,465 $1,071 $50,166 $3,706 12.13
06/30/2010 $5,700 $1,070 $49,934 $3,439 12.68
03/31/2010 $6,069 $718 $49,715 $3,546 12.74
12/31/2009 $4,402 $743 $49,196 $3,451 9.77
09/30/2009 $5,270 $585 $48,316 $3,482 11.3
06/30/2009 $3,685 $770 $48,296 $3,375 8.62
03/31/2009 $2,979 $185 $47,312 $3,312 6.25