PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Reliance Financial Services, National Association

Defiance, OH · Cert 34544

FDIC

Q4 2006

$2.6MAssets
n/aLoans
n/aDeposits
$2.3MEquity

Executive Summary

  • Earnings: ROA of 17.70%, down 467 bps year over year; NIM at 2.80%.

Return on Assets (quarter, annualized)

17.70%-467 bps YoY

Net Interest Margin (quarter, annualized)

2.80%+53 bps YoY

Efficiency Ratio (quarter, annualized)

79.08%+532 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.27%Q4 ’042.27%Q4 ’052.80%Q4 ’06+78%+23%

Non-interest income vs. expense

107.32%Q4 ’0498.34%Q4 ’05114.87%Q4 ’06+8%+16%

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets28.63%20.42%26.90%22.38%27.06%28.67%39.74%17.70%-467 bps
Return on Equity31.38%23.06%31.36%26.57%31.14%31.86%43.91%19.33%-724 bps
Net Interest Margin1.00%1.60%2.08%2.27%2.62%2.64%2.68%2.80%+53 bps
Efficiency Ratio67.10%74.82%66.91%73.75%70.21%66.31%59.62%79.08%+532 bps
Non-Interest Burden-45.13%-31.44%-40.58%-32.73%-45.09%-43.80%-61.59%-27.60%+513 bps
Growth
Asset Growth (YoY)26.65%17.08%15.31%2.17%-7.62%3.79%-9.42%0.39%-178 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital268%246%243%221%259%263%240%235%+1,484 bps
Equity / Assets92.41%84.73%86.88%81.53%92.53%87.75%93.77%89.62%+810 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets64.47%62.60%65.11%67.96%63.27%62.88%62.55%65.27%-269 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a