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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.

The Columbia Bank has a texas ratio of 4.63 which puts it at low risk. As of 09/30/2015 the bank had $14,667 Non Current Loans and Leases, $362 Other Real Estate Owned, $305,256 Total Equity Capital and $19,197 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 $14,667 $362 $305,256 $19,197 4.63
06/30/2015 $13,950 $743 $300,329 $20,427 4.58
03/31/2015 $14,656 $1,127 $300,753 $22,209 4.89
12/31/2014 $12,223 $907 $297,753 $21,620 4.11
09/30/2014 $14,854 $1,457 $295,627 $19,525 5.18
06/30/2014 $13,309 $1,337 $296,326 $20,859 4.62
03/31/2014 $12,256 $980 $293,141 $21,470 4.21
12/31/2013 $16,702 $651 $306,074 $22,369 5.28
09/30/2013 $15,893 $1,421 $327,443 $23,496 4.93
06/30/2013 $17,432 $1,564 $329,219 $24,063 5.38
03/31/2013 $16,777 $1,755 $336,518 $24,259 5.14
12/31/2012 $18,435 $1,915 $335,340 $24,242 5.66
09/30/2012 $29,956 $3,441 $338,657 $26,182 9.15
06/30/2012 $36,647 $3,597 $338,937 $28,811 10.94
03/31/2012 $42,894 $4,298 $335,192 $31,339 12.88
12/31/2011 $43,133 $4,345 $332,948 $28,390 13.14
09/30/2011 $37,594 $4,140 $334,870 $32,592 11.36
06/30/2011 $38,262 $5,221 $333,129 $34,979 11.81
03/31/2011 $37,962 $5,576 $326,750 $36,274 11.99
12/31/2010 $50,045 $4,833 $323,799 $43,710 14.93
09/30/2010 $57,021 $1,704 $325,847 $49,615 15.64
06/30/2010 $53,484 $2,176 $322,264 $53,787 14.8
03/31/2010 $52,175 $1,378 $315,372 $50,659 14.63
12/31/2009 $56,961 $1,924 $319,080 $51,814 15.88
09/30/2009 $67,861 $405 $307,616 $54,226 18.87
06/30/2009 $48,580 $244 $246,544 $46,439 16.66
03/31/2009 $57,335 $244 $242,846 $39,015 20.43