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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.
Quick Ratio. The quick ratio is a financial liquidity ratio that compares quick assets to current liabilities. Quick assets generally include cash, cash equivalents, and accounts receivable. The quick ratio is calculated by adding all the quick assets together and dividing by the total current liabilities. Here is the quick ratio equation.