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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.

McGehee Bank has a texas ratio of 1.42 which puts it at low risk. As of 09/30/2015 the bank had $270 Non Current Loans and Leases, $0 Other Real Estate Owned, $17,676 Total Equity Capital and $1,272 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 $270 $0 $17,676 $1,272 1.42
06/30/2015 $361 $0 $17,319 $1,325 1.94
03/31/2015 $148 $0 $17,185 $1,325 0.8
12/31/2014 $167 $0 $17,892 $1,325 0.87
09/30/2014 $29 $0 $17,416 $1,327 0.15
06/30/2014 $10 $0 $17,118 $1,330 0.05
03/31/2014 $0 $0 $17,007 $1,329 0
12/31/2013 $146 $0 $17,866 $1,315 0.76
09/30/2013 $144 $0 $17,373 $1,335 0.77
06/30/2013 $0 $0 $17,216 $1,334 0
03/31/2013 $4 $0 $17,115 $1,336 0.02
12/31/2012 $4 $0 $17,875 $1,322 0.02
09/30/2012 $1 $0 $17,358 $1,323 0.01
06/30/2012 $20 $0 $17,012 $1,323 0.11
03/31/2012 $17 $0 $16,890 $1,322 0.09
12/31/2011 $0 $0 $17,716 $1,312 0
09/30/2011 $278 $0 $17,286 $1,233 1.5
06/30/2011 $228 $0 $16,927 $1,272 1.25
03/31/2011 $53 $0 $16,690 $1,260 0.3
12/31/2010 $49 $0 $16,994 $1,247 0.27
09/30/2010 $922 $0 $16,625 $1,323 5.14
06/30/2010 $913 $0 $16,799 $1,270 5.05
03/31/2010 $937 $0 $16,587 $1,264 5.25
12/31/2009 $296 $0 $17,132 $1,232 1.6099999999999999
09/30/2009 $454 $0 $16,761 $1,276 2.52
06/30/2009 $365 $0 $16,492 $1,177 2.07
03/31/2009 $320 $0 $16,429 $1,120 1.8199999999999998