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BOA was the first bank to introduce the credit card bills in massive way with Visa in 1975 with the assistance of consortium of other establishments. In 1980s the BOA moved past the California and started doing its job national savings account. The prestige and holding of the company also increased after acquiring of the businesses like Bancorp.

The Texas ratio rely on dividing the bank's non-performing assets by its tangible common equity and loan-loss reserves. Tangible common is equity capital less goodwill and intangibles. As the ratio approaches 1.0, the bank's likelihood of failure springs up.

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