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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.

Homebanc National Association has a texas ratio of 2.51 which puts it at low risk. As of 09/30/2015 the bank had $1,839 Non Current Loans and Leases, $155 Other Real Estate Owned, $76,221 Total Equity Capital and $3,117 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 $1,839 $155 $76,221 $3,117 2.51
06/30/2015 $1,640 $196 $76,666 $2,893 2.31
03/31/2015 $844 $196 $74,401 $2,854 1.35
12/31/2014 $74,618 $196 $68,936 $2,087 105.34
09/30/2014 $88,310 $196 $70,631 $2,033 121.8
06/30/2014 $108,045 $246 $70,018 $1,925 150.52
03/31/2014 $113,913 $246 $69,012 $1,856 161.09
12/31/2013 $96,024 $50 $63,014 $1,847 148.12
09/30/2013 $50,359 $50 $62,415 $1,827 78.47
06/30/2013 $43,614 $90 $61,399 $1,866 69.08
03/31/2013 $36,590 $0 $45,737 $1,828 76.93
12/31/2012 $39,050 $0 $44,556 $1,678 84.46
09/30/2012 $38,643 $745 $43,859 $1,200 87.41
06/30/2012 $39,867 $870 $42,869 $1,199 92.44
03/31/2012 $34,916 $1,334 $41,644 $1,124 84.76
12/31/2011 $22,093 $4,209 $41,351 $1,019 62.08
09/30/2011 $7,475 $4,496 $40,573 $1,117 28.71
06/30/2011 $4,341 $1,407 $32,745 $1,091 16.99
03/31/2011 $6,262 $1,407 $32,037 $1,195 23.08
12/31/2010 $5,444 $1,407 $31,743 $917 20.98
09/30/2010 $5,778 $1,440 $31,313 $1,326 22.11
06/30/2010 $10,545 $0 $30,619 $1,647 32.68
03/31/2010 $10,779 $0 $30,185 $1,628 33.88
12/31/2009 $8,199 $0 $29,584 $1,528 26.35
09/30/2009 $4,314 $0 $30,293 $1,773 13.45
06/30/2009 $2,104 $0 $30,284 $1,643 6.59
03/31/2009 $0 $0 $31,042 $849 0