Valliance Bank in Mckinney, Texas (TX)

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Valliance Bank
GeneralFDIC Certificate #: 58572
Status: Active
Federal Reserve ID: 3547140
Bank Holding Company (Regulatory Top Holder): Valliance Texas Financial Holdings, Inc. (RSSDID: 3894835, Location: Mckinney, TX)
Date Established: April 23, 2007
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 457093
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: April 23, 2007
Last Structure Change Effective Date: March 01, 2012
Last Structure Change Process Date: March 15, 2012
Last Data Update: March 15, 2012
Data Source Date: April 05, 2012
LocationAddress: 5900 S. Lake Forest Dr., Suite 100, Mckinney, TX 75070
County: Collin
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Dallas
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
Financial SummaryTotal assets: $80.7 mil
Equity capital: $8.5 mil
Deposits held in domestic offices: $56.1 mil
Return on assets (ROA): -3.37% (-$2.7 mil)
Quarterly return on assets: -0.95% (-$0.8 mil)
Return on Equity (ROE): -31.37% (-$2.8 mil)
Quarterly return on equity: -8.73% (-$0.8 mil)
Net income: -$3.1 mil
Quarterly Net income: -$0.2 mil
Pretax return on assets: -3.37% (-$2,718.6 mil)
Quarterly Pretax return on assets: -0.95% (-$766.4 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)17
Total assets$80,672
Cash and due from depository institutions$9,566
Interest-bearing balances$9,073
Federal funds sold & reverse repurchase agreements$1,508
Net loans & leases$47,737
Loan loss allowance $1,100
Trading account assets$0
Bank premises and fixed assets$2,657
Other real estate owned$4,737
Goodwill and other intangibles$0
All other assets$1,446
Life insurance assets$80,672
Total liabilities and capital$72,143
Total liabilities$56,124
Total deposits$53,223
Interest-bearing deposits$56,124
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$15,371
Other borrowed funds $0
Subordinated debt $648
All other liabilities $8,529
Total equity capital$8,529
Total bank equity capital$8,529
Perpetual preferred stock$0
Common stock$9,295
Undivided profits $-10,061
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 $2,523
Earning assets $0
Long-term assets (5+ years) $301
Average Assets, year-to-date $71,339
Average Assets, quarterly $16,644
Volatile liabilities $91,943
Insider loans $79,330
FHLB advances $54,921
Loans and leases held for sale $78,984
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $8,475
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,389
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,941
Total interest expense $1,138
Net interest income $2,803
Provision for loan and lease losses $490
Total noninterest income -$1,521
Fiduciary activities $0
Service charges on deposit accounts $25
Trading account gains & fees $0
Additional noninterest income -$1,546
Total noninterest expense $3,894
Salaries and employee benefits $1,661
Premises and equipment expense $664
Additional noninterest expense $1,569
Pre-tax net operating income -$3,102
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$3,102
Extraordinary gains - net $0
Net income attributable to bank -$3,102
Net charge-offs $0
Cash dividends -$3,102
Sale, conversion, retirement of capital stock, net $864
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.88%
Cost of funding earning assets 1.41%
Net interest margin 3.47%
Noninterest income to earning assets -1.88%
Noninterest expense to earning assets 4.82%
Net operating income to assets -3.37%
Return on assets (ROA) -3.37%
Pretax return on assets -3.37%
Return on equity (ROE) -31.37%
Retained earnings to average equity (YTD only) -31.37%
Net charge-offs to loans 1.39%
Credit loss provision to net charge-offs 56.71%
Efficiency ratio-3.02%
Assets per employee$303,744
Cash dividends to net income (YTD only)4.75%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.25%
Noncurrent assets plus other real estate owned to assets 43.60%
Noncurrent loans to loans 9.00%
Net loans and leases to deposits5.17%
Net loans and leases to core deposits 85.06%
Equity capital to assets 91.56%
Core capital (leverage) ratio 10.57%
Tier 1 risk-based capital ratio 10.73%
Total risk-based capital ratio 15.43%
Average assets$17
Average earning assets$91,943
Average equity $9,887
Average loans $80,820
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0457093Valliance Bank5900 S. Lake Forest Dr., Suite 100, Mckinney, TX 75070April 23, 2007Full Service Brick and Mortar
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