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
No
ID
Name
Address
Established
Service Type
Map
0
457093
Valliance Bank
5900 S. Lake Forest Dr., Suite 100, Mckinney, TX 75070
April 23, 2007
Full Service Brick and Mortar
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