Reliance Bank

Des Peres, MO · Cert 35123

FDIC · 22 branches

Q1 2019

$1.5BAssets

$1.1BLoans

$1.2BDeposits

$142.4MEquity

Loan mix

Deposit mix

NIM

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

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%.

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.

Metric	Q1 2018	Q2 2018	Q3 2018	Q4 2018	Q1 2019	YoY Δ	Trend
Earnings
Return on Assets	1.09%	1.10%	1.10%	1.08%	0.99%	-10 bps
Return on Equity	9.99%	10.23%	10.42%	10.23%	9.98%	-1 bps
Net Interest Margin	2.61%	2.57%	2.54%	2.52%	2.40%	-21 bps
Efficiency Ratio	57.77%	55.48%	54.35%	54.91%	56.20%	-157 bps
Non-Interest Burden	1.39%	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 / Loans	0.00%	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 / Loans	1.11%	1.05%	1.02%	0.97%	0.95%	-16 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	10.67%	10.40%	10.50%	10.65%	9.01%	-166 bps
Total Risk-Based Capital	12.76%	12.45%	12.58%	12.70%	10.94%	-182 bps
Equity / Assets	10.77%	10.25%	10.26%	10.62%	9.23%	-154 bps
Liquidity & Funding
Loans / Deposits	91.16%	91.09%	92.62%	92.01%	93.26%	+210 bps
Liquid Assets / Assets	0.65%	0.72%	0.71%	0.69%	0.70%	+5 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a