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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 First and Farmers Bank has a texas ratio of 1.71 which puts it at low risk. As of 09/30/2015 the bank had $79 Non Current Loans and Leases, $0 Other Real Estate Owned, $4,142 Total Equity Capital and $477 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 $79 $0 $4,142 $477 1.71
06/30/2015 $31 $0 $3,979 $481 0.7
03/31/2015 $12 $0 $4,008 $482 0.27
12/31/2014 $19 $0 $3,891 $480 0.43
09/30/2014 $3 $0 $3,772 $474 0.07
06/30/2014 $44 $0 $3,727 $472 1.05
03/31/2014 $88 $0 $3,710 $464 2.11
12/31/2013 $106 $0 $3,552 $459 2.64
09/30/2013 $0 $0 $3,693 $523 0
06/30/2013 $0 $0 $3,675 $507 0
03/31/2013 $76 $0 $3,731 $501 1.8
12/31/2012 $0 $0 $3,745 $488 0
09/30/2012 $21 $0 $3,726 $490 0.5
06/30/2012 $84 $0 $3,691 $480 2.01
03/31/2012 $284 $0 $3,759 $445 6.76
12/31/2011 $415 $0 $3,810 $425 9.8
09/30/2011 $348 $0 $3,834 $570 7.9
06/30/2011 $324 $0 $3,711 $538 7.63
03/31/2011 $322 $0 $3,649 $521 7.72
12/31/2010 $356 $0 $3,481 $499 8.94
09/30/2010 $882 $0 $3,505 $458 22.26
06/30/2010 $903 $0 $3,524 $444 22.76
03/31/2010 $738 $0 $3,487 $595 18.08
12/31/2009 $751 $0 $3,298 $787 18.38
09/30/2009 $788 $0 $3,288 $468 20.98
06/30/2009 $777 $0 $3,277 $415 21.05
03/31/2009 $1,752 $0 $3,591 $434 43.53