Reliance Bank in Godfrey, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 2005

Reliance Bank in Godfrey, Illinois (IL)
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Reliance Bank - Overview

General
FDIC Certificate #: 34552
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Reliance Bank (#35123)
Federal Reserve ID: 2692418
Date Established: June 17, 1999
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 59059
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: June 17, 1999
Last Structure Change Effective Date: October 31, 2005
Last Structure Change Process Date: November 17, 2005
Last Data Update: November 17, 2005
Data Source Date: April 05, 2012
Location
Address: 2810 Godfrey Road, Godfrey, IL 62035
County: Madison
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Kansas City
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
Financial Summary
Total assets: $58.3 mil

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2004)

Dollar figures in thousands
10Total employees (full-time equivalent)
$42,465Total assets
$9,043Cash and due from depository institutions
$8,500Interest-bearing balances
$3,495Securities
$210Federal funds sold & reverse repurchase agreements
$26,233Net loans & leases
$309Loan loss allowance
$0Trading account assets
$1,136Bank premises and fixed assets
$0Other real estate owned
$1,336Goodwill and other intangibles
$0Life insurance assets
$1,012All other assets
$42,465Total liabilities and capital
$36,864Total liabilities
$36,200Total deposits
$35,319Interest-bearing deposits
$36,200Deposits held in domestic offices
0.00%% insured (estimated)
$567Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$97All other liabilities
$5,601Total equity capital
$5,601Total bank equity capital
$5,601Perpetual preferred stock
$0Common stock
$1,774Surplus
$3,860Undivided profits
Memoranda
$-33Noncurrent loans and leases
$1,925Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$262Earning assets
$0Long-term assets (5+ years)
$128Average Assets, year-to-date
$38,438Average Assets, quarterly
$176Volatile liabilities
$33,798Insider loans
$38,379FHLB advances
$13,484Loans and leases held for sale
$113Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,925Total unused commitments
$0Restructured Loans and leases
$309Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$1,455Total interest income
$578Total interest expense
$877Net interest income
$111Provision for loan and lease losses
$97Total noninterest income
$0Fiduciary activities
$21Service charges on deposit accounts
$0Trading account gains & fees
$76Additional noninterest income
$854Total noninterest expense
$464Salaries and employee benefits
$133Premises and equipment expense
$257Additional noninterest expense
$9Pre-tax net operating income
$0Securities gains (losses)
$3Applicable income taxes
$6Income before extraordinary items
$0Extraordinary gains - net
$6Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$46Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.89%Yield on earning assets
1.94%Cost of funding earning assets
2.95%Net interest margin
0.33%Noninterest income to earning assets
2.87%Noninterest expense to earning assets
0.02%Net operating income to assets
0.02%Return on assets (ROA)
0.03%Pretax return on assets
0.11%Return on equity (ROE)
0.11%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
241.30%Credit loss provision to net charge-offs
2.61%Efficiency ratio
87,680Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
117.94%Noncurrent assets plus other real estate owned to assets
0.62%Noncurrent loans to loans
0.99%Net loans and leases to deposits
72.47%Net loans and leases to core deposits
112.67%Equity capital to assets
13.19%Core capital (leverage) ratio
10.51%Tier 1 risk-based capital ratio
15.21%Total risk-based capital ratio
Memoranda
$16Average assets
$33,798Average earning assets
$5,612Average equity
$29,778Average loans

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