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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.

Valley Bank has a texas ratio of 7.77 which puts it at low risk. As of 09/30/2015 the bank had $0 Non Current Loans and Leases, $300 Other Real Estate Owned, $3,674 Total Equity Capital and $185 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 $0 $300 $3,674 $185 7.77
06/30/2015 $0 $300 $3,573 $163 8.03
03/31/2015 $19 $300 $3,491 $147 8.77
12/31/2014 $207 $300 $3,391 $339 13.59
09/30/2014 $205 $209 $3,318 $332 11.34
06/30/2014 $88 $209 $3,220 $326 8.38
03/31/2014 $85 $485 $3,020 $326 17.04
12/31/2013 $209 $276 $2,929 $326 14.9
09/30/2013 $215 $276 $3,002 $332 14.73
06/30/2013 $0 $276 $2,914 $332 8.5
03/31/2013 $14 $276 $2,961 $330 8.81
12/31/2012 $24 $276 $2,915 $339 9.22
09/30/2012 $0 $276 $2,971 $338 8.34
06/30/2012 $0 $276 $2,873 $320 8.64
03/31/2012 $125 $276 $2,810 $319 12.82
12/31/2011 $126 $276 $2,777 $313 13.01
09/30/2011 $0 $276 $2,737 $273 9.17
06/30/2011 $259 $286 $2,712 $256 18.36
03/31/2011 $3 $430 $2,679 $251 14.78
12/31/2010 $23 $719 $2,630 $248 25.78
09/30/2010 $84 $719 $2,647 $194 28.26
06/30/2010 $134 $719 $2,590 $186 30.73
03/31/2010 $84 $839 $2,556 $177 33.77
12/31/2009 $165 $839 $2,535 $268 35.82
09/30/2009 $149 $839 $2,318 $261 38.31
06/30/2009 $516 $459 $2,333 $171 38.94
03/31/2009 $1,205 $243 $2,770 $208 48.62