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 28.34%, up 363 bps year over year; NIM at 2.84%.

Return on Assets (YTD, annualized)

28.34%+363 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+110 bps YoY

Efficiency Ratio (YTD, annualized)

68.33%-231 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.82%Q4 ’041.74%Q4 ’052.84%Q4 ’06+113%+63%

Non-interest income vs. expense

105.00%Q4 ’0494.05%Q4 ’05108.95%Q4 ’06+4%-28%

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets28.63%24.53%25.46%24.71%27.06%27.46%32.18%28.34%+363 bps
Return on Equity31.38%27.55%28.78%28.36%31.14%31.49%36.27%31.88%+352 bps
Net Interest Margin1.00%1.28%1.54%1.74%2.62%2.48%2.57%2.84%+110 bps
Efficiency Ratio67.10%70.91%69.60%70.64%70.21%68.28%65.16%68.33%-231 bps
Non-Interest Burden-45.13%-37.37%-38.34%-37.34%-45.09%-41.82%-48.76%-47.65%-1,030 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