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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.

FIRST COMMERCIAL BANK has a texas ratio of 2.35 which puts it at low risk. As of 09/30/2015 the bank had $395 Non Current Loans and Leases, $754 Other Real Estate Owned, $45,301 Total Equity Capital and $3,503 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 $395 $754 $45,301 $3,503 2.35
06/30/2015 $368 $832 $44,569 $3,465 2.5
03/31/2015 $152 $0 $35,997 $3,473 0.39
12/31/2014 $153 $0 $35,248 $3,448 0.4
09/30/2014 $154 $0 $35,851 $3,481 0.39
06/30/2014 $295 $0 $35,262 $3,412 0.76
03/31/2014 $324 $0 $34,633 $3,518 0.85
12/31/2013 $516 $0 $33,771 $3,517 1.38
09/30/2013 $1,918 $55 $34,172 $3,514 5.24
06/30/2013 $1,976 $55 $33,477 $3,509 5.49
03/31/2013 $2,782 $55 $33,133 $3,275 7.79
12/31/2012 $2,853 $0 $32,452 $3,175 8.01
09/30/2012 $1,706 $0 $32,119 $3,484 4.79
06/30/2012 $1,715 $0 $31,241 $3,385 4.95
03/31/2012 $534 $0 $30,460 $3,318 1.58
12/31/2011 $563 $0 $30,682 $3,259 1.6600000000000001
09/30/2011 $527 $0 $29,851 $3,076 1.6
06/30/2011 $159 $0 $29,136 $2,953 0.5
03/31/2011 $1,973 $0 $28,362 $2,870 6.32
12/31/2010 $129 $0 $27,224 $2,850 0.43
09/30/2010 $467 $0 $26,729 $2,715 1.5899999999999999
06/30/2010 $506 $0 $26,211 $2,665 1.75
03/31/2010 $143 $0 $25,711 $2,583 0.51
12/31/2009 $143 $0 $25,210 $2,500 0.52
09/30/2009 $127 $0 $24,803 $2,373 0.47
06/30/2009 $0 $20 $24,322 $2,260 0.08
03/31/2009 $86 $20 $23,876 $2,200 0.41