A Texas ratio tallies up a bank's past-due loans and bank-owned real estate and compares them with the levels of a bank's core capital, typically shareholders' equity, and the money set aside for potential loan losses. A score of at least 80 percent is considered a cause for concern. A Texas ratio puts a bank's asset problems in the context of its capital and reserve levels, so it's considered a good predictor of difficulties.
accelerating crisis in the community banking sector in Chicago," Barr said. If the trend continues, it will hurt the area's economic recovery
Click on the following for more details: 39 Chicago-area banks with seriously delinquent loans on books -- chicagotribune.com
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