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

  • Valliance Bank in Oklahoma City, Oklahoma (OK)
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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
    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

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