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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.

Taylorsville Savings Bank, SSB has a texas ratio of 13.13 which puts it at low risk. As of 09/30/2015 the bank had $1,223 Non Current Loans and Leases, $129 Other Real Estate Owned, $8,890 Total Equity Capital and $1,406 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 $1,223 $129 $8,890 $1,406 13.13
06/30/2015 $1,294 $90 $8,977 $1,401 13.34
03/31/2015 $1,627 $176 $7,775 $1,368 19.72
12/31/2014 $2,033 $25 $7,691 $1,337 22.8
09/30/2014 $1,761 $12 $7,628 $1,255 19.96
06/30/2014 $1,822 $20 $7,367 $1,261 21.35
03/31/2014 $1,823 $83 $7,207 $1,258 22.52
12/31/2013 $1,949 $75 $7,184 $1,250 24
09/30/2013 $1,907 $52 $7,338 $1,128 23.14
06/30/2013 $1,628 $75 $7,069 $1,127 20.78
03/31/2013 $1,275 $270 $7,272 $999 18.68
12/31/2012 $1,349 $351 $7,306 $1,000 20.47
09/30/2012 $2,022 $340 $7,254 $1,000 28.62
06/30/2012 $2,046 $540 $7,202 $996 31.54
03/31/2012 $2,216 $502 $7,248 $948 33.16
12/31/2011 $2,444 $311 $7,223 $983 33.57
09/30/2011 $2,326 $329 $7,251 $985 32.24
06/30/2011 $1,993 $202 $8,004 $1,005 24.36
03/31/2011 $1,880 $119 $7,836 $1,048 22.5
12/31/2010 $1,729 $360 $7,854 $1,084 23.37
09/30/2010 $1,841 $753 $8,156 $1,056 28.16
06/30/2010 $1,820 $918 $7,585 $1,072 31.63
03/31/2010 $1,638 $809 $7,870 $1,187 27.02
12/31/2009 $1,744 $688 $7,896 $1,229 26.65
09/30/2009 $1,332 $334 $8,029 $1,193 18.07
06/30/2009 $1,181 $283 $7,277 $1,030 17.62
03/31/2009 $619 $270 $8,119 $673 10.11