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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.

Freedom National Bank has a texas ratio of 4.57 which puts it at low risk. As of 09/30/2015 the bank had $508 Non Current Loans and Leases, $58 Other Real Estate Owned, $11,450 Total Equity Capital and $927 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 $508 $58 $11,450 $927 4.57
06/30/2015 $508 $58 $11,344 $934 4.61
03/31/2015 $377 $58 $10,599 $962 3.76
12/31/2014 $97 $63 $10,470 $944 1.4
09/30/2014 $253 $63 $10,112 $910 2.87
06/30/2014 $208 $215 $9,904 $882 3.92
03/31/2014 $1,711 $0 $9,330 $1,211 16.23
12/31/2013 $1,634 $0 $9,272 $1,210 15.59
09/30/2013 $780 $236 $9,009 $1,319 9.84
06/30/2013 $766 $79 $8,608 $1,455 8.4
03/31/2013 $1,019 $171 $9,059 $1,219 11.58
12/31/2012 $1,490 $145 $9,165 $1,421 15.44
09/30/2012 $1,340 $269 $8,306 $1,116 17.08
06/30/2012 $1,478 $125 $8,153 $1,057 17.4
03/31/2012 $1,267 $125 $8,131 $1,079 15.11
12/31/2011 $1,091 $125 $8,058 $967 13.47
09/30/2011 $973 $125 $8,080 $971 12.13
06/30/2011 $1,479 $651 $8,032 $935 23.75
03/31/2011 $2,502 $441 $7,957 $1,251 31.96
12/31/2010 $2,676 $606 $7,956 $1,395 35.1
09/30/2010 $2,119 $306 $8,048 $1,174 26.3
06/30/2010 $2,467 $0 $8,028 $1,125 26.95
03/31/2010 $1,871 $0 $7,863 $954 21.22
12/31/2009 $1,190 $0 $7,746 $886 13.79
09/30/2009 $736 $0 $6,668 $881 9.75
06/30/2009 $788 $0 $6,096 $825 11.39
03/31/2009 $1,517 $0 $6,104 $999 21.36