BAS Presentations - March 2023

The “Texas” Ratio also Measures Problem Assets

Past Due a.k.a. Non ‐ Current (over 30 days late) Nonaccrual (generally over 90 days PD) Troubled Debt Restructurings (loan term accommodations) Other Real Estate Owned (repossessed property)

“Texas” Ratio includes these balances divided by equity capital and the ALLL. Labeled on Page 1 of the UBPR.


Sunny State Bank Texas Ratio

• Charts from Depository Deep Dive • Source data UBPR page 1


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