Valliance Bank in Mckinney, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Valliance Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.texasvbank.com
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 17Total employees (full-time equivalent)
  • $80,672Total assets
  • $9,566Cash and due from depository institutions
  • $9,073Interest-bearing balances
  • $13,021Securities
  • $1,508Federal funds sold & reverse repurchase agreements
  • $47,737Net loans & leases
  • $1,100Loan loss allowance
  • $0Trading account assets
  • $2,657Bank premises and fixed assets
  • $4,737Other real estate owned
  • $0Goodwill and other intangibles
  • $80,672Life insurance assets
  • $1,446All other assets
  • $72,143Total liabilities and capital
  • $56,124Total liabilities
  • $53,223Total deposits
  • $56,124Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,371Trading liabilities
  • $0Other borrowed funds
  • $648Subordinated debt
  • $8,529All other liabilities
  • $8,529Total equity capital
  • $8,529Total bank equity capital
  • $0Perpetual preferred stock
  • $9,295Common stock
  • $9,295Surplus
  • $-10,061Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,523Income earned, not collected on loans
  • $0Earning assets
  • $301Long-term assets (5+ years)
  • $71,339Average Assets, year-to-date
  • $16,644Average Assets, quarterly
  • $91,943Volatile liabilities
  • $79,330Insider loans
  • $54,921FHLB advances
  • $78,984Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,475Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,389Restructured Loans and leases
  • $2,228Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,941Total interest income
  • $1,138Total interest expense
  • $2,803Net interest income
  • $490Provision for loan and lease losses
  • -$1,521Total noninterest income
  • $0Fiduciary activities
  • $25Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,546Additional noninterest income
  • $3,894Total noninterest expense
  • $1,661Salaries and employee benefits
  • $664Premises and equipment expense
  • $1,569Additional noninterest expense
  • -$3,102Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$3,102Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,102Net income attributable to bank
  • $0Net charge-offs
  • -$3,102Cash dividends
  • $864Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.47%Net interest margin
  • -1.88%Noninterest income to earning assets
  • 4.82%Noninterest expense to earning assets
  • -3.37%Net operating income to assets
  • -3.37%Return on assets (ROA)
  • -3.37%Pretax return on assets
  • -31.37%Return on equity (ROE)
  • -31.37%Retained earnings to average equity (YTD only)
  • 1.39%Net charge-offs to loans
  • 56.71%Credit loss provision to net charge-offs
  • -3.02%Efficiency ratio
  • 303,744Assets per employee
  • 4.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 43.60%Noncurrent assets plus other real estate owned to assets
  • 9.00%Noncurrent loans to loans
  • 5.17%Net loans and leases to deposits
  • 85.06%Net loans and leases to core deposits
  • 91.56%Equity capital to assets
  • 10.57%Core capital (leverage) ratio
  • 10.73%Tier 1 risk-based capital ratio
  • 15.43%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $91,943Average earning assets
  • $9,887Average equity
  • $80,820Average loans

List of branches

  • 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

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