The Valley National Bank in Mcallen, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 23, 1995

  • The Valley National Bank in Mcallen, Texas (TX)
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The Valley National Bank - Overview

  • General
  • FDIC Certificate #: 20513
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Frost National Bank (#5510)
    Federal Reserve ID: 769950
    Date Established: October 12, 1971
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 14154
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: October 12, 1971
    Last Structure Change Effective Date: June 23, 1995
    Last Structure Change Process Date: July 10, 1995
    Last Data Update: July 10, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 2400 North Tenth Street, Mcallen, TX 78501
    County: Hidalgo
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): McAllen-Edinburg-Mission, TX (#4880)
    Core Based Statistical Area (CBSA): McAllen-Edinburg-Mission, TX (#32580)
    CBSA Metro Statistical Area: McAllen-Edinburg-Mission, TX (#32580)
  • Financial Summary
  • Total assets: $52.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $34Total assets
  • $54,663Cash and due from depository institutions
  • $2,860Interest-bearing balances
  • $0Securities
  • $19,154Federal funds sold & reverse repurchase agreements
  • $1,380Net loans & leases
  • $27,418Loan loss allowance
  • $204Trading account assets
  • $0Bank premises and fixed assets
  • $3,305Other real estate owned
  • $0Goodwill and other intangibles
  • $546Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $54,663Total liabilities
  • $50,357Total deposits
  • $49,886Interest-bearing deposits
  • $38,127Deposits held in domestic offices
  • 49886.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $471Total equity capital
  • $471Total bank equity capital
  • $4,306Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $500Undivided profits
  • Memoranda
  • $3,306Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13Income earned, not collected on loans
  • $192Earning assets
  • $47,952Long-term assets (5+ years)
  • $3,648Average Assets, year-to-date
  • $55,584Average Assets, quarterly
  • $54,733Volatile liabilities
  • $4,755Insider loans
  • $78FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,610Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,862Total risk weighted assets
  • $30,987Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,577Total interest expense
  • $1,158Net interest income
  • $2,419Provision for loan and lease losses
  • $56Total noninterest income
  • $527Fiduciary activities
  • $0Service charges on deposit accounts
  • $412Trading account gains & fees
  • $0Additional noninterest income
  • $115Total noninterest expense
  • $2,435Salaries and employee benefits
  • $1,293Premises and equipment expense
  • $422Additional noninterest expense
  • $720Pre-tax net operating income
  • $455Securities gains (losses)
  • $21Applicable income taxes
  • $177Income before extraordinary items
  • $299Extraordinary gains - net
  • $0Net income attributable to bank
  • $299Net charge-offs
  • $63Cash dividends
  • $105Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.29%Cost of funding earning assets
  • 2.36%Net interest margin
  • 4.93%Noninterest income to earning assets
  • 1.07%Noninterest expense to earning assets
  • 4.96%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 0.86%Return on equity (ROE)
  • 6.66%Retained earnings to average equity (YTD only)
  • 4.32%Net charge-offs to loans
  • 0.25%Credit loss provision to net charge-offs
  • 88.89%Efficiency ratio
  • 82,654Assets per employee
  • 1.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.12%Loss allowance to loans
  • 0.74%Loss allowance to noncurrent loans
  • 1569.23%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 54.96%Net loans and leases to core deposits
  • 60.75%Equity capital to assets
  • 7.88%Core capital (leverage) ratio
  • 8.91%Tier 1 risk-based capital ratio
  • 15.69%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $55,584Average earning assets
  • $4,489Average equity
  • $49,083Average loans

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