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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 Savings Bank has a texas ratio of 7.61 which puts it at low risk. As of 09/30/2015 the bank had $5,436 Non Current Loans and Leases, $3,336 Other Real Estate Owned, $89,659 Total Equity Capital and $25,591 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 $5,436 $3,336 $89,659 $25,591 7.61
06/30/2015 $4,286 $3,599 $86,276 $24,270 7.13
03/31/2015 $8,182 $2,662 $83,676 $25,175 9.96
12/31/2014 $8,801 $2,779 $81,167 $25,006 10.91
09/30/2014 $9,042 $3,582 $78,705 $24,126 12.28
06/30/2014 $8,647 $3,910 $75,973 $22,946 12.69
03/31/2014 $9,344 $4,576 $74,062 $21,696 14.54
12/31/2013 $9,777 $5,279 $72,400 $21,311 16.07
09/30/2013 $10,640 $5,848 $71,003 $20,139 18.09
06/30/2013 $12,428 $5,848 $69,412 $18,604 20.76
03/31/2013 $9,495 $7,780 $68,830 $17,999 19.9
12/31/2012 $10,330 $8,480 $67,454 $18,002 22.01
09/30/2012 $11,096 $12,518 $67,874 $17,019 27.82
06/30/2012 $10,411 $13,820 $66,997 $16,226 29.12
03/31/2012 $10,433 $14,428 $66,352 $14,599 30.71
12/31/2011 $9,412 $14,659 $65,691 $13,184 30.52
09/30/2011 $10,604 $13,735 $64,561 $11,634 31.94
06/30/2011 $14,942 $11,600 $63,561 $10,553 35.81
03/31/2011 $13,497 $15,002 $61,264 $9,763 40.12
12/31/2010 $12,610 $15,201 $60,142 $9,697 39.82
09/30/2010 $15,735 $11,438 $60,039 $10,036 38.78
06/30/2010 $14,042 $10,829 $58,766 $10,741 35.78
03/31/2010 $14,602 $11,986 $57,719 $11,397 38.47
12/31/2009 $13,359 $11,077 $58,607 $11,235 34.99
09/30/2009 $13,008 $10,833 $59,141 $11,552 33.72
06/30/2009 $12,603 $7,918 $58,935 $12,395 28.77
03/31/2009 $17,235 $5,912 $59,137 $13,453 31.89