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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.
Calculate Ratio in Excel. To compare two numbers, you can show them as a ratio, such as 4:3 or 8:5. To calculate ratio in Excel, you can use the GCD function, or the TEXT and SUBSTITUTE functions.reate the Ratio Formula. To calculate the ratio, the width will be divided by the height, and formatted as a fraction. A colon will replace the slash. To see the ratio, enter this formula in cell E4: =SUBSTITUTE(TEXT(B4/C4,#/######),/,:). The result is 4:3 -- the ratio for those screen dimensions.