Valliance Bank (OK)

Valliance Bank (OK) is headquartered in Oklahoma City and is the 50^th largest bank in the state of Oklahoma. It is also the 2,433^rd largest bank in the nation. It was established in 2004 and as of December of 2012, it had grown to 48 employees at 3 locations. Valliance Bank (OK) has a 4-star health rating.

Data for Q4 2012

Institution Statistics Valliance Bank FDIC Certificate # 57841 BankRate Report View Year Established 2004 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $265.60 million Loans $190.92 million Deposits $225.42 million Equity Capital $27.19 million Loan Loss Allowance $2.29 million Unbacked Noncurrent Loans $657,000 Real Estate Owned $4.27 million Historic Data - December 2011 Assets $196.24 million Equity Capital $18.55 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $1.03 million Real Estate Owned $1.17 million Profit Margin - Quarterly Net Interest Margin 4.69% Return on Assets 0.48% Return on Equity 4.87% Interest Income $12.39 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Valliance Bank (OK) had $4.93 million in non-current loans and owned real-estate with $29.48 million in equity and loan loss allowances on hand to cover it. This gives Valliance Bank (OK) a Texas Ratio of 16.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Valliance Bank (OK) increased slightly from 9.27% as of December 31, 2011 to 16.73% as of December 31, 2012, resulting in a negative change of 80.49%. This indicates that the balance sheet and financial strength for Valliance Bank (OK) has declined slightly in recent periods. Deposit Growth In the past year, Valliance Bank (OK) has increased its total deposits by $58.76 million, resulting in 35.26% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Valliance Bank (OK) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Valliance Bank (OK) has $265.6 million in assets with $29.48 million in equity, resulting in a capitalization level of 11.10%, which is above average.

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