To accommodate surface mount technology, SMT, a completely new set of components was needed. New SMT outlines were required, and often the same components, e.g. ICs were sold in both traditional leaded packages and SMT packages.
The most well known financial leverage ratio is the debt-to-equity ratio. It is expressed as: Total debt / Total Equity. For example, if a company has $10M in debt and $20M in equity, it has a debt-to-equity ratio of 0.50 = ($10M/$20M).
According to Wikipedia, the Texas ratio is calculated by dividing the value of the lender's non-performing loans by the sum of its tangible equity capital and loan loss reserves.. I would amend that to include all non-performing assets, including REO. For most banks this would not change the ratio much. To illustrate I will now calculate the Texas Ratio of Silver State Bancorp (SSBX), a company that Floridabuilder has previously criticized. We will use the most recent 10Q which gives us the data from March 31, 2008.