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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.

Liberty Bank has a texas ratio of 4.08 which puts it at low risk. As of 09/30/2015 the bank had $25,407 Non Current Loans and Leases, $680 Other Real Estate Owned, $603,586 Total Equity Capital and $35,653 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 $25,407 $680 $603,586 $35,653 4.08
06/30/2015 $25,520 $511 $606,472 $38,212 4.04
03/31/2015 $24,588 $474 $600,196 $37,885 3.93
12/31/2014 $26,323 $504 $592,235 $37,438 4.26
09/30/2014 $27,430 $495 $593,579 $39,125 4.41
06/30/2014 $28,063 $547 $590,567 $39,887 4.54
03/31/2014 $32,279 $248 $582,728 $39,015 5.23
12/31/2013 $33,207 $285 $576,747 $38,208 5.45
09/30/2013 $31,322 $824 $547,966 $40,212 5.47
06/30/2013 $29,769 $450 $536,637 $40,377 5.24
03/31/2013 $21,357 $537 $529,395 $39,022 3.85
12/31/2012 $23,424 $691 $516,033 $37,617 4.36
09/30/2012 $24,349 $825 $505,068 $37,927 4.64
06/30/2012 $22,497 $852 $493,012 $36,894 4.41
03/31/2012 $51,908 $1,193 $488,978 $36,474 10.11
12/31/2011 $48,757 $781 $474,314 $36,393 9.7
09/30/2011 $47,717 $139 $473,264 $38,108 9.36
06/30/2011 $68,584 $618 $482,483 $38,574 13.28
03/31/2011 $100,020 $868 $475,008 $49,324 19.24
12/31/2010 $95,765 $296 $463,023 $47,477 18.82
09/30/2010 $89,585 $637 $452,746 $47,334 18.04
06/30/2010 $35,258 $702 $449,224 $33,181 7.45
03/31/2010 $10,143 $0 $450,455 $33,369 2.1
12/31/2009 $16,859 $0 $442,447 $32,709 3.55
09/30/2009 $3,377 $0 $433,165 $28,841 0.73
06/30/2009 $1,258 $0 $418,501 $28,165 0.28
03/31/2009 $1,229 $0 $404,616 $27,473 0.28