ViewPoint Bank, National Association in Plano, Texas (TX)



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ViewPoint Bank, National Association routing number info

Table of contents:
ViewPoint Bank, National Association
GeneralFDIC Certificate #: 58006
Status: Active
Federal Reserve ID: 878898
Bank Holding Company (Regulatory Top Holder): Viewpoint Financial Group, Inc. (RSSDID: 4191465, Location: Plano, TX)
Date Established: January 01, 2006
WWW: http://www.viewpointbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 24 (Domestic: 24, Interstate: No)
OTS Docket #: 17993
FDIC's unique #: 433587
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 2006
Last Structure Change Effective Date: December 19, 2011
Last Structure Change Process Date: January 06, 2012
Last Data Update: January 06, 2012
Data Source Date: April 05, 2012
LocationAddress: 1309 W. 15th Street, #400, Plano, TX 75075
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)
History of ChangesChange in Location
Financial SummaryTotal assets: $3,179.7 mil
Equity capital: $321.7 mil
Deposits held in domestic offices: $2,050.8 mil
Return on assets (ROA): 0.89% ($28.3 mil)
Quarterly return on assets: 1.25% ($39.8 mil)
Return on Equity (ROE): 8.83% ($28.4 mil)
Quarterly return on equity: 12.62% ($40.6 mil)
Net income: $27.1 mil
Quarterly Net income: $10.0 mil
Pretax return on assets: 1.29% ($41,018.7 mil)
Quarterly Pretax return on assets: 1.75% ($55,645.5 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)563
Total assets$3,179,743
Cash and due from depository institutions$46,348
Interest-bearing balances$29,688
Securities$934,233
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$2,045,289
Loan loss allowance $17,487
Trading account assets$0
Bank premises and fixed assets$50,261
Other real estate owned$2,286
Goodwill and other intangibles$1,238
All other assets$100,088
Life insurance assets$3,179,743
Total liabilities and capital$2,858,045
Total liabilities$2,050,835
Total deposits$1,751,821
Interest-bearing deposits$2,050,835
Deposits held in domestic offices$78
% insured (estimated)25000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$766,587
Other borrowed funds $0
Subordinated debt $15,623
All other liabilities $321,698
Total equity capital$321,698
Total bank equity capital$321,698
Perpetual preferred stock$0
Common stock$0
Surplus$175,294
Undivided profits $146,404
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $834,352
Income earned, not collected on loans $22,978
Earning assets $736
Long-term assets (5+ years) $8,982
Average Assets, year-to-date $3,009,210
Average Assets, quarterly $1,794,665
Volatile liabilities $3,023,043
Insider loans $3,207,258
FHLB advances $2,053,958
Loans and leases held for sale $3,212,934
Unused loan commitments $29,175
Tier 1 (core) risk-based capital $29,175
Tier 2 risk-based capital $319,207
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $436,274
Derivatives$1,365
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $119,870
Total interest expense $33,993
Net interest income $85,877
Provision for loan and lease losses $3,970
Total noninterest income $24,752
Fiduciary activities $0
Service charges on deposit accounts $7,421
Trading account gains & fees $0
Additional noninterest income $17,331
Total noninterest expense $73,881
Salaries and employee benefits $46,523
Premises and equipment expense $8,691
Additional noninterest expense $18,667
Pre-tax net operating income $32,778
Securities gains (losses) $6,268
Applicable income taxes $11,990
Income before extraordinary items $27,056
Extraordinary gains - net $0
Net income attributable to bank $27,056
Net charge-offs $0
Cash dividends $27,056
Sale, conversion, retirement of capital stock, net $1,330
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 assets4.18%
Cost of funding earning assets 1.19%
Net interest margin 3.00%
Noninterest income to earning assets 0.86%
Noninterest expense to earning assets 2.58%
Net operating income to assets 0.75%
Return on assets (ROA) 0.89%
Pretax return on assets 1.29%
Return on equity (ROE) 8.83%
Retained earnings to average equity (YTD only) 8.83%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 298.50%
Efficiency ratio27.63%
Assets per employee$66,539
Cash dividends to net income (YTD only)5.65%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.85%
Noncurrent assets plus other real estate owned to assets 76.10%
Noncurrent loans to loans 0.79%
Net loans and leases to deposits1.11%
Net loans and leases to core deposits 99.73%
Equity capital to assets 121.17%
Core capital (leverage) ratio 10.12%
Tier 1 risk-based capital ratio 9.94%
Total risk-based capital ratio 15.54%
Memoranda
Average assets$16
Average earning assets$3,023,043
Average equity $306,439
Average loans $2,867,036
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24 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0433587Viewpoint Bank, National Association1309 W. 15th Street, #400, Plano, TX 75075January 01, 2006Full Service Brick and Mortar
1463735Lake Highlands Branch10203 East Northwest Highway, Dallas, TX 75238January 01, 2006Full Service Brick and Mortar
3463740Plano Central Branch1201 West 15th Street, Plano, TX 75075January 01, 2006Full Service Brick and Mortar
4463743West Richardson Branch1280 West Campbell Road, Richardson, TX 75080January 01, 2006Full Service Brick and Mortar
7463746Richardson Motor Branch1775 North Plano Road, Richardson, TX 75081January 01, 2006Full Service Brick and Mortar
8463748Carrollton Branch1801 Keller Springs Road, Carrollton, TX 75006January 01, 2006Full Service Brick and Mortar
12463765Grand Prairie Is Branch215 North Carrier Parkway, Grand Prairie, TX 75050January 01, 2006Full Service Brick and Mortar
14463771Garland Branch2218 North Jupiter Road, Garland, TX 75044January 01, 2006Full Service Brick and Mortar
16463773West Allen Branch225 South Custer Road, Allen, TX 75013January 01, 2006Full Service Brick and Mortar
17463775Mckinney Motor Branch231 North Chestnut Street, Mckinney, TX 75069January 01, 2006Full Service Brick and Mortar
18463776Mckinney Branch2500 West Virginia Parkway, Mckinney, TX 75071January 01, 2006Full Service Brick and Mortar
19463778East Plano Branch2501 East Plano Parkway, Plano, TX 75074January 01, 2006Full Service Brick and Mortar
22463962Allen Branch321 East Mcdermott Dr, Allen, TX 75002January 01, 2006Full Service Brick and Mortar
24463964Frisco Branch3833 Preston Road, Frisco, TX 75034January 01, 2006Full Service Brick and Mortar
29463969Addison Branch4560 Belt Line Road Suite 100, Addison, TX 75001January 01, 2006Full Service Brick and Mortar
30463970West Plano Branch5400 Independence Parkway, Plano, TX 75023January 01, 2006Full Service Brick and Mortar
31463971Tollroad Branch5900 West Park Boulevard, Plano, TX 75093January 01, 2006Full Service Brick and Mortar
33463973Coppell Branch687 Denton Tap Road, Coppell, TX 75019January 01, 2006Full Service Brick and Mortar
34463974Richardson Branch720 East Arapaho Road, Richardson, TX 75081January 01, 2006Full Service Brick and Mortar
36518127Wylie Branch3490 Fm 544, Wylie, TX 75098September 30, 2009Full Service Brick and Mortar
37518241Grapevine Branch301 S Park Blvd, Grapevine, TX 76051April 16, 2009Full Service Brick and Mortar
38518242West Frisco Branch2975 Main Street, Frisco, TX 75034May 20, 2009Full Service Brick and Mortar
395182430ak Cliff Branch2498 W. Illinois Ave, Dallas, TX 75233October 20, 2008Full Service Brick and Mortar
40518244North East Tarrant County Branch3040 State Highway 121, Euless, TX 76039August 18, 2008Full Service Brick and Mortar
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