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Valliance Bank

McKinney, TX · Cert 58572

FDIC

Q2 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Valliance Bank

McKinney, TX · Cert 58572

FDIC

Q2 2012

$67.8MAssets
$39.5MLoans
$51.3MDeposits
$7.6MEquity
Loan mix
74%RE $25.4M26%C&I $8.8M0%Consumer $0.1MQ2 2011Q2 2012
Deposit mix
93%Interest-bearing $47.5M7%Noninterest $3.8MQ2 2011Q2 2012

NIM

4.95%Q2 ’104.53%Q2 ’114.67%Q2 ’12+27%+29%

Non-interest income vs. expense

3.06%Q2 ’104.06%Q2 ’115.55%Q2 ’12+96%-13%

Executive Summary

  • Earnings: ROA of -1.77%, up 260 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 77.01% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.77%+260 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+85 bps YoY

Efficiency Ratio (YTD, annualized)

146.46%-47,526 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-4.38%-4.10%-3.81%-1.66%-1.77%+260 bps
Return on Equity-41.02%-37.98%-35.70%-16.28%-16.90%+2,412 bps
Net Interest Margin2.90%3.71%3.43%3.04%3.75%+85 bps
Efficiency Ratio622%506%441%150.16%146.46%-47,526 bps
Non-Interest Burden6.31%7.97%7.24%4.56%5.51%-80 bps
Growth
Asset Growth (YoY)-35.11%-38.81%-30.34%-28.94%-13.33%+2,178 bps
Loan Growth (YoY)-45.66%-43.64%-40.52%-36.16%-25.27%+2,039 bps
Deposit Growth (YoY)-48.20%-45.37%-32.23%-31.45%-2.57%+4,562 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.80%2.08%1.77%0.00%0.00%-180 bps
Allowance / Loans2.82%2.33%2.26%2.28%2.78%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.34%17.09%16.08%15.74%16.70%-65 bps
Equity / Assets12.13%11.27%10.13%10.25%11.16%-97 bps
Liquidity & Funding
Loans / Deposits100.41%95.32%86.85%88.67%77.01%-2,339 bps
Liquid Assets / Assets15.81%12.59%11.30%17.89%16.52%+71 bps
CRE / Total Capitaln/an/an/an/an/an/an/a