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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