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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.

Tidelands Bank has a texas ratio of 65.15 which puts it at medium risk. As of 09/30/2015 the bank had $7,067 Non Current Loans and Leases, $12,620 Other Real Estate Owned, $25,198 Total Equity Capital and $5,018 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 $7,067 $12,620 $25,198 $5,018 65.15
06/30/2015 $7,586 $13,533 $24,622 $5,404 70.34
03/31/2015 $9,606 $17,218 $26,264 $4,794 86.37
12/31/2014 $6,969 $17,692 $26,116 $4,879 79.56
09/30/2014 $9,453 $18,965 $25,492 $5,145 92.76
06/30/2014 $12,221 $16,962 $25,162 $5,149 96.28
03/31/2014 $13,801 $18,789 $24,392 $5,914 107.54
12/31/2013 $14,043 $18,693 $23,487 $6,026 110.92
09/30/2013 $24,559 $20,077 $23,752 $6,860 145.81
06/30/2013 $21,871 $20,509 $23,812 $6,588 139.41
03/31/2013 $26,501 $22,474 $25,776 $6,692 150.84
12/31/2012 $23,118 $22,647 $26,549 $6,727 137.53
09/30/2012 $24,495 $20,477 $27,564 $8,081 126.17
06/30/2012 $26,215 $21,020 $29,574 $7,229 128.35
03/31/2012 $32,190 $19,327 $28,896 $8,985 136
12/31/2011 $34,292 $18,906 $28,844 $10,320 135.83
09/30/2011 $31,306 $18,534 $29,503 $11,249 122.3
06/30/2011 $25,020 $18,109 $27,366 $13,431 105.72
03/31/2011 $28,518 $14,561 $32,759 $12,390 95.42
12/31/2010 $35,557 $11,906 $36,759 $11,459 98.43
09/30/2010 $36,859 $9,877 $42,685 $11,665 85.99
06/30/2010 $27,705 $12,213 $42,637 $14,781 69.52
03/31/2010 $21,506 $8,963 $48,793 $10,922 51.02
12/31/2009 $21,295 $6,865 $50,282 $10,048 46.68
09/30/2009 $12,260 $7,507 $59,617 $8,206 29.14
06/30/2009 $11,611 $5,566 $53,220 $9,606 27.34
03/31/2009 $16,884 $3,958 $54,401 $8,656 33.05