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For the Texas Ratio calculation, a bank's available capital is the sum total of its equity capital and its loan loss reserves. Equity capital is essentially the book value of the bank -- its total assets minus its liabilities.
The general formula is C(H2O) as C6H12O6 the ratio between C and H is 1 : 2 the ratio between C and O is 1 : 1 ratio : 1 : 2 : 1.