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(4) EMV refers to Europay, Mastercard, and Visa. That reserve's size can be a helpful indicator when evaluating a bank 's ability to manage troubled assets, especially when compared to the total amount of problematic loans. Toll-Free:, houston:, please visit your local branch and speak with a retail banker. You can receive 24 Hour account information by calling our Telephone Banking System. A handy indicator of asset quality is the percentage of problem assets a bank holds compared to its total assets.