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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 Piedmont Federal Savings and Loan Association of Gaffney has a texas ratio of 2.5300000000000002 which puts it at low risk. As of 09/30/2015 the bank had $1,271 Non Current Loans and Leases, $1,124 Other Real Estate Owned, $92,659 Total Equity Capital and $1,953 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 $1,271 $1,124 $92,659 $1,953 2.5300000000000002
06/30/2015 $776 $1,432 $91,741 $1,953 2.36
03/31/2015 $1,301 $1,093 $90,833 $1,953 2.58
12/31/2014 $1,043 $1,106 $89,945 $1,954 2.34
09/30/2014 $1,059 $1,137 $88,847 $1,954 2.42
06/30/2014 $846 $1,718 $87,878 $1,956 2.85
03/31/2014 $988 $1,989 $86,971 $1,957 3.35
12/31/2013 $1,112 $2,680 $86,058 $1,958 4.31
09/30/2013 $1,147 $2,822 $85,140 $1,958 4.5600000000000005
06/30/2013 $2,687 $2,434 $84,159 $1,962 5.95
03/31/2013 $939 $2,119 $83,179 $1,962 3.59
12/31/2012 $771 $2,721 $81,758 $1,961 4.17
09/30/2012 $730 $3,057 $80,761 $1,966 4.58
06/30/2012 $1,882 $3,519 $79,818 $1,963 6.6
03/31/2012 $1,975 $4,316 $78,902 $1,960 7.78
12/31/2011 $575 $16,082 $77,909 $1,957 20.86
09/30/2011 $1,387 $15,150 $77,023 $1,514 21.06
06/30/2011 $2,236 $14,498 $76,004 $1,513 21.59
03/31/2011 $1,971 $14,397 $75,090 $1,266 21.44
12/31/2010 $1,980 $13,352 $74,050 $910 20.45
09/30/2010 $2,098 $11,906 $72,910 $907 18.97
06/30/2010 $3,096 $11,505 $71,838 $904 20.07
03/31/2010 $2,862 $11,266 $70,698 $904 19.73
12/31/2009 $2,405 $8,221 $69,590 $902 15.07
09/30/2009 $3,602 $5,422 $68,749 $800 12.98
06/30/2009 $3,419 $4,098 $67,644 $796 10.98
03/31/2009 $2,241 $3,863 $66,455 $680 9.09