Valliance Bank in Oklahoma City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Valliance Bank in Oklahoma City, Oklahoma (OK)
  • Show street view No street view available for this location
Valliance Bank routing number info

Valliance Bank - Overview

  • General
  • FDIC Certificate #: 57841
    Status: Active
    Federal Reserve ID: 3267738
    Bank Holding Company (Regulatory Top Holder): Valliance Financial Corp. (RSSDID: 3447400, Location: Oklahoma City, OK)
    Date Established: October 20, 2004
    WWW: http://www.vbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 53354
    FDIC's unique #: 428019
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 20, 2004
    Last Structure Change Effective Date: December 20, 2006
    Last Structure Change Process Date: December 29, 2006
    Last Data Update: December 29, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1601 N. W. Expressway, Oklahoma City, OK 73118
    County: Oklahoma
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • History of Changes
  • Change in Location
    Name Change
  • Financial Summary
  • Total assets: $196.2 mil
    Equity capital: $18.5 mil
    Deposits held in domestic offices: $166.7 mil
    Return on assets (ROA): 0.76% ($1.5 mil)
    Quarterly return on assets: 1.23% ($2.4 mil)
    Return on Equity (ROE): 8.33% ($1.6 mil)
    Quarterly return on equity: 13.47% ($2.6 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.76% ($1,491.4 mil)
    Quarterly Pretax return on assets: 1.23% ($2,413.7 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $196,236Total assets
  • $5,619Cash and due from depository institutions
  • $4,350Interest-bearing balances
  • $32,054Securities
  • $2,213Federal funds sold & reverse repurchase agreements
  • $149,697Net loans & leases
  • $1,587Loan loss allowance
  • $0Trading account assets
  • $2,810Bank premises and fixed assets
  • $1,172Other real estate owned
  • $0Goodwill and other intangibles
  • $196,236Life insurance assets
  • $2,671All other assets
  • $177,688Total liabilities and capital
  • $166,661Total liabilities
  • $143,684Total deposits
  • $166,661Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,027Subordinated debt
  • $18,548All other liabilities
  • $18,548Total equity capital
  • $18,548Total bank equity capital
  • $0Perpetual preferred stock
  • $4,000Common stock
  • $11,000Surplus
  • $3,548Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,027Income earned, not collected on loans
  • $0Earning assets
  • $724Long-term assets (5+ years)
  • $188,314Average Assets, year-to-date
  • $47,376Average Assets, quarterly
  • $194,639Volatile liabilities
  • $200,222Insider loans
  • $140,038FHLB advances
  • $200,150Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,351Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,375Restructured Loans and leases
  • $1,906Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,729Total interest income
  • $2,665Total interest expense
  • $7,064Net interest income
  • $270Provision for loan and lease losses
  • -$38Total noninterest income
  • $0Fiduciary activities
  • $121Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$159Additional noninterest income
  • $5,446Total noninterest expense
  • $3,110Salaries and employee benefits
  • $760Premises and equipment expense
  • $1,576Additional noninterest expense
  • $1,310Pre-tax net operating income
  • $162Securities gains (losses)
  • $0Applicable income taxes
  • $1,472Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,472Net income attributable to bank
  • $0Net charge-offs
  • $1,472Cash dividends
  • $188Sale, conversion, retirement of capital stock, net
  • $259Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 3.80%Net interest margin
  • -0.02%Noninterest income to earning assets
  • 2.93%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 8.33%Return on equity (ROE)
  • 6.86%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 143.62%Credit loss provision to net charge-offs
  • 8.40%Efficiency ratio
  • 77,512Assets per employee
  • 6.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.60%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 154.53%Noncurrent assets plus other real estate owned to assets
  • 1.12%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 89.82%Net loans and leases to core deposits
  • 102.27%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 13.10%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $194,639Average earning assets
  • $17,678Average equity
  • $185,705Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0428019Valliance Bank1601 N. W. Expressway, Oklahoma City, OK 73118October 20, 2004Full Service Brick and Mortar
    1470172Norman Branch704 Wall Street, Norman, OK 73069January 02, 2008Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Valliance Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents