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
    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

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