ViewPoint Bank, National Association in Plano, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • ViewPoint Bank, National Association in Plano, Texas (TX)
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ViewPoint Bank, National Association - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 563Total employees (full-time equivalent)
  • $3,179,743Total assets
  • $46,348Cash and due from depository institutions
  • $29,688Interest-bearing balances
  • $934,233Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,045,289Net loans & leases
  • $17,487Loan loss allowance
  • $0Trading account assets
  • $50,261Bank premises and fixed assets
  • $2,286Other real estate owned
  • $1,238Goodwill and other intangibles
  • $3,179,743Life insurance assets
  • $100,088All other assets
  • $2,858,045Total liabilities and capital
  • $2,050,835Total liabilities
  • $1,751,821Total deposits
  • $2,050,835Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 25000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $766,587Trading liabilities
  • $0Other borrowed funds
  • $15,623Subordinated debt
  • $321,698All other liabilities
  • $321,698Total equity capital
  • $321,698Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $175,294Surplus
  • $146,404Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $834,352Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $22,978Income earned, not collected on loans
  • $736Earning assets
  • $8,982Long-term assets (5+ years)
  • $3,009,210Average Assets, year-to-date
  • $1,794,665Average Assets, quarterly
  • $3,023,043Volatile liabilities
  • $3,207,258Insider loans
  • $2,053,958FHLB advances
  • $3,212,934Loans and leases held for sale
  • $29,175Unused loan commitments
  • $29,175Tier 1 (core) risk-based capital
  • $319,207Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $436,274Restructured Loans and leases
  • $1,365Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $119,870Total interest income
  • $33,993Total interest expense
  • $85,877Net interest income
  • $3,970Provision for loan and lease losses
  • $24,752Total noninterest income
  • $0Fiduciary activities
  • $7,421Service charges on deposit accounts
  • $0Trading account gains & fees
  • $17,331Additional noninterest income
  • $73,881Total noninterest expense
  • $46,523Salaries and employee benefits
  • $8,691Premises and equipment expense
  • $18,667Additional noninterest expense
  • $32,778Pre-tax net operating income
  • $6,268Securities gains (losses)
  • $11,990Applicable income taxes
  • $27,056Income before extraordinary items
  • $0Extraordinary gains - net
  • $27,056Net income attributable to bank
  • $0Net charge-offs
  • $27,056Cash dividends
  • $1,330Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.18%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.00%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.58%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 8.83%Return on equity (ROE)
  • 8.83%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 298.50%Credit loss provision to net charge-offs
  • 27.63%Efficiency ratio
  • 66,539Assets per employee
  • 5.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.85%Loss allowance to noncurrent loans
  • 76.10%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 99.73%Net loans and leases to core deposits
  • 121.17%Equity capital to assets
  • 10.12%Core capital (leverage) ratio
  • 9.94%Tier 1 risk-based capital ratio
  • 15.54%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $3,023,043Average earning assets
  • $306,439Average equity
  • $2,867,036Average loans

List of branches

  • 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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