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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.
The 2D:4D ratio is calculated by dividing the length of the index finger of a given hand by the length of the ring finger of the same hand. A longer index finger will result in a ratio higher than 1, while a longer ring finger will result in a ratio lower than 1.