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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.
Financial Ratios. There are many ratios that can be determined from the balance sheet. They are used by bankers, investors and venture capitalists as indicators of the strength and health of your enterprise. Some of the more popular ratios are: Cash Ratio-a measure of the amount of cash available to offset current debt (Cash / Total Current Liabilities).