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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.
A ratio scale is a fraction, expressed in the from of a retio and is the relationship between the distance on the map compared to the actual distance that represents on the earth surface. If it is expressed as a fraction it is called representative fraction or RF on the map.