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Financial Health - Texas Ratio

As of 09/30/2015
Medium 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 Pueblo Bank and Trust Company has a texas ratio of 56.59 which puts it at medium risk. As of 09/30/2015 the bank had $3,763 Non Current Loans and Leases, $19,819 Other Real Estate Owned, $38,222 Total Equity Capital and $3,448 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 $3,763 $19,819 $38,222 $3,448 56.59
06/30/2015 $3,147 $21,217 $37,027 $3,381 60.29
03/31/2015 $3,475 $21,685 $36,660 $3,373 62.85
12/31/2014 $3,523 $21,685 $37,792 $3,372 61.24
09/30/2014 $3,057 $22,465 $34,197 $5,880 63.68
06/30/2014 $1,959 $23,300 $34,105 $5,853 63.21
03/31/2014 $4,977 $22,693 $33,463 $5,855 70.37
12/31/2013 $4,789 $23,275 $33,409 $5,854 71.48
09/30/2013 $5,709 $24,250 $33,545 $5,873 76
06/30/2013 $6,357 $26,651 $33,220 $5,825 84.54
03/31/2013 $6,075 $28,643 $34,962 $6,325 84.09
12/31/2012 $5,712 $29,358 $35,202 $6,310 84.48
09/30/2012 $9,138 $27,518 $32,721 $6,164 94.27
06/30/2012 $9,059 $34,626 $34,685 $6,418 106.28
03/31/2012 $9,197 $34,812 $34,602 $6,220 107.81
12/31/2011 $8,050 $36,674 $33,934 $6,349 111.02
09/30/2011 $16,554 $35,703 $33,847 $6,681 128.94
06/30/2011 $27,058 $33,264 $37,108 $7,152 136.29
03/31/2011 $30,732 $32,381 $37,321 $7,499 140.81
12/31/2010 $32,440 $26,746 $37,131 $8,714 129.1
09/30/2010 $36,473 $25,068 $45,284 $7,506 116.58
06/30/2010 $37,367 $18,036 $46,682 $11,111 95.86
03/31/2010 $46,996 $17,428 $45,744 $10,374 114.8
12/31/2009 $53,208 $16,194 $43,997 $10,616 127.08
09/30/2009 $42,884 $11,638 $51,749 $10,101 88.15
06/30/2009 $31,426 $12,654 $50,641 $10,331 72.3
03/31/2009 $36,493 $11,212 $54,603 $10,233 73.58