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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 State Bank has a texas ratio of 2.62 which puts it at low risk. As of 09/30/2015 the bank had $338 Non Current Loans and Leases, $49 Other Real Estate Owned, $13,763 Total Equity Capital and $1,005 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 $338 $49 $13,763 $1,005 2.62
06/30/2015 $264 $49 $13,537 $965 2.16
03/31/2015 $132 $49 $13,285 $939 1.27
12/31/2014 $18 $49 $13,492 $899 0.47
09/30/2014 $22 $49 $13,224 $878 0.5
06/30/2014 $19 $68 $12,919 $854 0.63
03/31/2014 $83 $18 $12,628 $845 0.75
12/31/2013 $85 $9 $12,877 $845 0.69
09/30/2013 $7 $0 $12,561 $819 0.05
06/30/2013 $2 $48 $12,278 $785 0.38
03/31/2013 $47 $89 $11,997 $772 1.07
12/31/2012 $87 $89 $12,191 $768 1.3599999999999999
09/30/2012 $97 $89 $11,795 $738 1.48
06/30/2012 $207 $0 $11,555 $745 1.6800000000000002
03/31/2012 $253 $7 $11,309 $730 2.16
12/31/2011 $172 $7 $11,499 $706 1.47
09/30/2011 $138 $7 $11,187 $700 1.22
06/30/2011 $38 $7 $10,937 $708 0.39
03/31/2011 $166 $20 $10,666 $714 1.63
12/31/2010 $81 $7 $10,863 $698 0.76
09/30/2010 $197 $7 $10,460 $520 1.8599999999999999
06/30/2010 $43 $27 $10,169 $524 0.65
03/31/2010 $52 $27 $9,916 $534 0.76
12/31/2009 $70 $27 $10,045 $504 0.92
09/30/2009 $89 $7 $9,733 $523 0.94
06/30/2009 $119 $7 $9,409 $516 1.27
03/31/2009 $46 $7 $9,029 $517 0.56