Institution Statistics
| FDIC Certificate # | 58572 | | BankRate Report | View | | Year Established | 2007 | | Employees | 18 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $130.51 million | | Loans | $99.52 million | | Deposits | $112.34 million | | Equity Capital | $11.90 million | | Loan Loss Allowance | $1.42 million | | Unbacked Noncurrent Loans | $5.24 million | | Real Estate Owned | $1.41 million |
Historic Data - March 2009 | | Assets | $124.14 million | | Equity Capital | $9.62 million | | Loan Loss Allowance | $1.42 million | | Real Estate Owned | $2.51 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.28% | | Return on Assets | -1.41% | | Return on Equity | -15.63% | | Interest Income | $1.56 million |
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Institution Health
Overall Score:
2 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 March 31, 2010 Valliance Bank had $6.66 million in non-current loans and owned real-estate with $13.32 million in equity and loan loss allowances on hand to cover it. This gives Valliance Bank a Texas Ratio of 49.96% 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 increased dramatically from 22.77% as of March 31, 2009 to 49.96% as of March 31, 2010, resulting in a negative change of 119.40%. This indicates that the balance sheet and financial strength for Valliance Bank has declined dramatically in recent periods. | | Deposit Growth |  | | In the past year, Valliance Bank has increased it's total deposits by $8.11 million, resulting in 7.78% 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 has shown is above average. | | 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 has $130.51 million in assets with $13.32 million in equity, resulting in a capitalization level of 10.21%, which is below average. |
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