Print

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 Old Point National Bank of Phoebus has a texas ratio of 9.82 which puts it at low risk. As of 09/30/2015 the bank had $4,854 Non Current Loans and Leases, $4,033 Other Real Estate Owned, $83,052 Total Equity Capital and $7,419 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 $4,854 $4,033 $83,052 $7,419 9.82
06/30/2015 $6,693 $4,961 $81,935 $7,397 13.05
03/31/2015 $6,169 $5,085 $82,152 $7,411 12.57
12/31/2014 $6,711 $5,106 $81,518 $7,075 13.34
09/30/2014 $9,133 $5,420 $80,473 $7,025 16.63
06/30/2014 $11,582 $6,549 $79,611 $6,976 20.94
03/31/2014 $11,491 $6,253 $76,904 $6,834 21.19
12/31/2013 $11,870 $6,415 $74,738 $6,831 22.42
09/30/2013 $9,918 $6,888 $74,129 $6,980 20.72
06/30/2013 $9,539 $6,559 $76,523 $7,296 19.21
03/31/2013 $10,118 $6,021 $82,358 $7,259 18.01
12/31/2012 $11,079 $6,573 $83,611 $7,324 19.41
09/30/2012 $11,158 $6,842 $84,821 $7,301 19.54
06/30/2012 $9,079 $7,232 $81,899 $7,671 18.21
03/31/2012 $13,848 $7,439 $80,587 $8,087 24.01
12/31/2011 $8,992 $9,390 $80,605 $8,498 20.63
09/30/2011 $13,056 $11,038 $80,086 $9,752 26.82
06/30/2011 $9,743 $10,797 $78,805 $9,974 23.14
03/31/2011 $22,187 $11,164 $75,916 $10,284 38.69
12/31/2010 $20,954 $11,448 $75,487 $13,228 36.52
09/30/2010 $23,879 $10,140 $77,597 $12,105 37.92
06/30/2010 $19,338 $9,884 $76,462 $11,707 33.14
03/31/2010 $17,800 $7,571 $74,918 $11,144 29.48
12/31/2009 $5,306 $7,624 $76,108 $7,864 15.4
09/30/2009 $8,038 $8,486 $77,063 $7,754 19.48
06/30/2009 $7,142 $8,032 $76,286 $7,275 18.16
03/31/2009 $12,349 $4,059 $77,272 $7,014 19.47