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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.

Wells Fargo Financial National Bank has a texas ratio of 5.63 which puts it at low risk. As of 09/30/2015 the bank had $65,702 Non Current Loans and Leases, $0 Other Real Estate Owned, $932,654 Total Equity Capital and $233,462 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 $65,702 $0 $932,654 $233,462 5.63
06/30/2015 $52,271 $0 $876,203 $190,354 4.9
03/31/2015 $59,961 $0 $1,052,622 $199,608 4.79
12/31/2014 $61,164 $0 $980,698 $192,639 5.21
09/30/2014 $52,635 $0 $916,984 $175,564 4.82
06/30/2014 $41,917 $0 $854,986 $158,151 4.14
03/31/2014 $46,901 $0 $784,601 $154,207 5
12/31/2013 $51,001 $0 $1,009,770 $165,961 4.34
09/30/2013 $44,412 $0 $953,800 $159,159 3.99
06/30/2013 $35,499 $0 $889,005 $150,121 3.42
03/31/2013 $44,705 $0 $839,324 $145,075 4.54
12/31/2012 $45,406 $0 $777,846 $144,393 4.92
09/30/2012 $38,186 $0 $724,969 $134,131 4.44
06/30/2012 $32,034 $0 $652,592 $141,615 4.03
03/31/2012 $38,182 $0 $591,112 $146,429 5.18
12/31/2011 $42,018 $0 $536,545 $144,186 6.17
09/30/2011 $36,910 $0 $479,789 $148,934 5.87
06/30/2011 $37,043 $0 $647,001 $159,827 4.59
03/31/2011 $47,303 $0 $579,110 $197,334 6.09
12/31/2010 $56,275 $0 $519,688 $228,423 7.52
09/30/2010 $58,174 $0 $479,845 $230,956 8.18
06/30/2010 $53,259 $0 $454,104 $214,157 7.97
03/31/2010 $63,855 $0 $405,579 $234,763 9.97
12/31/2009 $67,412 $0 $390,108 $218,957 11.07
09/30/2009 $64,194 $0 $356,187 $227,010 11.01
06/30/2009 $62,193 $0 $333,445 $218,046 11.28
03/31/2009 $66,367 $0 $325,428 $211,844 12.35