Print

Financial Health - Texas Ratio

As of 09/30/2015
High 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.

Illinois-Service Federal Savings and Loan Association has a texas ratio of 151.36 which puts it at HIGH risk. As of 09/30/2015 the bank had $9,084 Non Current Loans and Leases, $409 Other Real Estate Owned, $3,733 Total Equity Capital and $2,539 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 $9,084 $409 $3,733 $2,539 151.36
06/30/2015 $11,379 $433 $4,352 $2,804 165.06
03/31/2015 $10,776 $465 $5,569 $2,804 134.25
12/31/2014 $11,909 $1,248 $6,583 $2,801 140.21
09/30/2014 $10,057 $1,172 $6,736 $2,803 117.72
06/30/2014 $6,180 $1,027 $7,592 $2,805 69.32
03/31/2014 $5,137 $910 $7,740 $2,820 57.26
12/31/2013 $4,712 $912 $7,735 $2,827 53.25
09/30/2013 $4,395 $799 $7,924 $2,797 48.45
06/30/2013 $3,681 $879 $9,555 $2,847 36.77
03/31/2013 $4,332 $893 $11,342 $2,704 37.2
12/31/2012 $5,789 $299 $12,139 $2,562 41.41
09/30/2012 $5,819 $200 $13,952 $1,571 38.77
06/30/2012 $5,451 $268 $14,287 $1,546 36.12
03/31/2012 $5,238 $454 $14,995 $1,073 35.42
12/31/2011 $4,716 $556 $15,521 $1,142 31.64
09/30/2011 $3,743 $735 $16,483 $1,182 25.35
06/30/2011 $3,681 $678 $14,758 $1,445 26.9
03/31/2011 $3,706 $497 $14,660 $721 27.33
12/31/2010 $3,690 $578 $14,779 $711 27.55
09/30/2010 $3,547 $573 $15,603 $603 25.42
06/30/2010 $2,761 $688 $15,684 $529 21.27
03/31/2010 $3,519 $756 $15,392 $730 26.52
12/31/2009 $3,966 $491 $15,408 $777 27.54
09/30/2009 $4,086 $462 $15,647 $765 27.71
06/30/2009 $4,336 $462 $14,999 $692 30.58
03/31/2009 $2,977 $147 $15,468 $622 19.42