Valliance Bank in Oklahoma City, Oklahoma (OK)



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Valliance Bank routing number info

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Valliance Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Name Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)30
Total assets$196,236
Cash and due from depository institutions$5,619
Interest-bearing balances$4,350
Securities$32,054
Federal funds sold & reverse repurchase agreements$2,213
Net loans & leases$149,697
Loan loss allowance $1,587
Trading account assets$0
Bank premises and fixed assets$2,810
Other real estate owned$1,172
Goodwill and other intangibles$0
All other assets$2,671
Life insurance assets$196,236
Total liabilities and capital$177,688
Total liabilities$166,661
Total deposits$143,684
Interest-bearing deposits$166,661
Deposits held in domestic offices$73
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,000
Other borrowed funds $0
Subordinated debt $1,027
All other liabilities $18,548
Total equity capital$18,548
Total bank equity capital$18,548
Perpetual preferred stock$0
Common stock$4,000
Surplus$11,000
Undivided profits $3,548
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,027
Earning assets $0
Long-term assets (5+ years) $724
Average Assets, year-to-date $188,314
Average Assets, quarterly $47,376
Volatile liabilities $194,639
Insider loans $200,222
FHLB advances $140,038
Loans and leases held for sale $200,150
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $18,351
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $18,375
Derivatives$1,906
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,729
Total interest expense $2,665
Net interest income $7,064
Provision for loan and lease losses $270
Total noninterest income -$38
Fiduciary activities $0
Service charges on deposit accounts $121
Trading account gains & fees $0
Additional noninterest income -$159
Total noninterest expense $5,446
Salaries and employee benefits $3,110
Premises and equipment expense $760
Additional noninterest expense $1,576
Pre-tax net operating income $1,310
Securities gains (losses) $162
Applicable income taxes $0
Income before extraordinary items $1,472
Extraordinary gains - net $0
Net income attributable to bank $1,472
Net charge-offs $0
Cash dividends $1,472
Sale, conversion, retirement of capital stock, net $188
Net operating income $259
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.24%
Cost of funding earning assets 1.44%
Net interest margin 3.80%
Noninterest income to earning assets -0.02%
Noninterest expense to earning assets 2.93%
Net operating income to assets 0.67%
Return on assets (ROA) 0.76%
Pretax return on assets 0.76%
Return on equity (ROE) 8.33%
Retained earnings to average equity (YTD only) 6.86%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 143.62%
Efficiency ratio8.40%
Assets per employee$77,512
Cash dividends to net income (YTD only)6.54%
Condition Ratios (%)
Loss allowance to loans 17.60%
Loss allowance to noncurrent loans 1.05%
Noncurrent assets plus other real estate owned to assets 154.53%
Noncurrent loans to loans 1.12%
Net loans and leases to deposits0.68%
Net loans and leases to core deposits 89.82%
Equity capital to assets 102.27%
Core capital (leverage) ratio 9.45%
Tier 1 risk-based capital ratio 9.17%
Total risk-based capital ratio 13.10%
Memoranda
Average assets$14
Average earning assets$194,639
Average equity $17,678
Average loans $185,705
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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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