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Reliance Bank

Des Peres, MO · Cert 35123

FDIC · 22 branches

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

Reliance Bank

Des Peres, MO · Cert 35123

FDIC · 22 branches

Q1 2019

$1.5BAssets
$1.1BLoans
$1.2BDeposits
$142.4MEquity
Loan mix
84%RE $375.8M15%C&I $68.2M0%Consumer $1.0MQ1 2018Q1 2019
Deposit mix
90%Interest-bearing $1.1B10%Noninterest $0.1BQ1 2018Q1 2019

NIM

3.14%Q1 ’173.40%Q1 ’183.67%Q1 ’19+1%-8%

Non-interest income vs. expense

1.59%Q1 ’171.64%Q1 ’181.46%Q1 ’19+4%-11%

Market Position · St. Louis, MO-IL · 2018 SOD (annual) · 1.3% share · #15 of 125 inst. · $1.2B of $86.9B

2.1% St. Louis
0.5% St. Louis (City)
2.2% St. Charles
1.5% Madison

Executive Summary

  • Earnings: ROA of 0.99%, down 10 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.01%, down 166 bps from a year ago.
  • Funding: loans stand at 93.26% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.99%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.40%-21 bps YoY

Efficiency Ratio (YTD, annualized)

56.20%-157 bps YoY

Tier 1 Leverage Ratio

9.01%-166 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.09%1.10%1.10%1.08%0.99%-10 bps
Return on Equity9.99%10.23%10.42%10.23%9.98%-1 bps
Net Interest Margin2.61%2.57%2.54%2.52%2.40%-21 bps
Efficiency Ratio57.77%55.48%54.35%54.91%56.20%-157 bps
Non-Interest Burden1.39%1.31%1.26%1.27%1.24%-15 bps
Growth
Asset Growth (YoY)6.58%8.55%7.32%8.66%7.85%+127 bps
Loan Growth (YoY)14.28%14.66%13.13%13.09%11.34%-294 bps
Deposit Growth (YoY)1.01%10.60%10.25%11.03%8.84%+783 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%-0.02%-0.02%0.00%0.00%+6 bps
Allowance / Loans1.11%1.05%1.02%0.97%0.95%-16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.67%10.40%10.50%10.65%9.01%-166 bps
Total Risk-Based Capital12.76%12.45%12.58%12.70%10.94%-182 bps
Equity / Assets10.77%10.25%10.26%10.62%9.23%-154 bps
Liquidity & Funding
Loans / Deposits91.16%91.09%92.62%92.01%93.26%+210 bps
Liquid Assets / Assets0.65%0.72%0.71%0.69%0.70%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a