Reliance Bank in Des Peres, Missouri (MO), IL
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Reliance Bank in Des Peres, Missouri (MO), IL
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Reliance Bank - Overview

  • General
  • FDIC Certificate #: 35123
    Status: Active
    Federal Reserve ID: 2769589
    Bank Holding Company (Regulatory Top Holder): Reliance Bancshares, Inc. (RSSDID: 2787118, Location: Des Peres, MO)
    Date Established: April 16, 1999
    WWW: http://www.reliancebankstl.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 20 (Domestic: 20, Interstate: Yes)
    FDIC's unique #: 74912
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 16, 1999
    Last Structure Change Effective Date: November 19, 2010
    Last Structure Change Process Date: November 22, 2010
    Last Data Update: November 22, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 11781 Manchester Road, Des Peres, MO 63131
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    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: $980.2 mil
    Equity capital: $70.0 mil
    Deposits held in domestic offices: $824.0 mil
    Return on assets (ROA): -2.52% (-$24.7 mil)
    Quarterly return on assets: -4.72% (-$46.3 mil)
    Return on Equity (ROE): -32.80% (-$23.0 mil)
    Quarterly return on equity: -62.53% (-$43.8 mil)
    Net income: -$28.2 mil
    Quarterly Net income: -$12.0 mil
    Pretax return on assets: -1.95% (-$19,113.1 mil)
    Quarterly Pretax return on assets: -2.23% (-$21,857.5 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, 2011)

  • Dollar figures in thousands
  • 174Total employees (full-time equivalent)
  • $980,157Total assets
  • $52,274Cash and due from depository institutions
  • $43,669Interest-bearing balances
  • $191,896Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $662,643Net loans & leases
  • $28,001Loan loss allowance
  • $0Trading account assets
  • $29,868Bank premises and fixed assets
  • $33,654Other real estate owned
  • $105Goodwill and other intangibles
  • $980,157Life insurance assets
  • $9,717All other assets
  • $910,128Total liabilities and capital
  • $823,995Total liabilities
  • $758,937Total deposits
  • $823,995Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 17781.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $65,000Trading liabilities
  • $0Other borrowed funds
  • $3,352Subordinated debt
  • $70,029All other liabilities
  • $70,029Total equity capital
  • $70,029Total bank equity capital
  • $0Perpetual preferred stock
  • $6,274Common stock
  • $128,992Surplus
  • $-65,237Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,505Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $84,821Income earned, not collected on loans
  • $0Earning assets
  • $2,928Long-term assets (5+ years)
  • $898,208Average Assets, year-to-date
  • $148,446Average Assets, quarterly
  • $1,118,112Volatile liabilities
  • $1,020,220Insider loans
  • $787,379FHLB advances
  • $1,030,373Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $68,952Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $52,474Restructured Loans and leases
  • $13,987Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $46,211Total interest income
  • $14,455Total interest expense
  • $31,756Net interest income
  • $23,594Provision for loan and lease losses
  • -$4,858Total noninterest income
  • $0Fiduciary activities
  • $710Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$5,568Additional noninterest income
  • $27,259Total noninterest expense
  • $11,774Salaries and employee benefits
  • $3,378Premises and equipment expense
  • $12,107Additional noninterest expense
  • -$23,955Pre-tax net operating income
  • $2,120Securities gains (losses)
  • $6,345Applicable income taxes
  • -$28,180Income before extraordinary items
  • $0Extraordinary gains - net
  • -$28,180Net income attributable to bank
  • $0Net charge-offs
  • -$28,180Cash dividends
  • $28,256Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.10%Net interest margin
  • -0.47%Noninterest income to earning assets
  • 2.66%Noninterest expense to earning assets
  • -2.71%Net operating income to assets
  • -2.52%Return on assets (ROA)
  • -1.95%Pretax return on assets
  • -32.80%Return on equity (ROE)
  • -32.80%Retained earnings to average equity (YTD only)
  • 3.56%Net charge-offs to loans
  • 83.50%Credit loss provision to net charge-offs
  • -0.01%Efficiency ratio
  • 101,283Assets per employee
  • 5.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.05%Loss allowance to noncurrent loans
  • 33.01%Noncurrent assets plus other real estate owned to assets
  • 12.14%Noncurrent loans to loans
  • 12.28%Net loans and leases to deposits
  • 80.42%Net loans and leases to core deposits
  • 85.85%Equity capital to assets
  • 7.14%Core capital (leverage) ratio
  • 6.69%Tier 1 risk-based capital ratio
  • 8.76%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $1,118,112Average earning assets
  • $85,902Average equity
  • $1,023,387Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1159059Reliance Bank -il Branch2810 Godfrey Road, Godfrey, IL 62035June 17, 1999Full Service Brick and Mortar
    16452210Reliance Bank1575 North Green Mount Road, O Fallon, IL 62269June 28, 2006Full Service Brick and Mortar
    19456503Reliance Bank Columbia, Illinois Branch180 Admiral Trost Road, Columbia, IL 62236November 13, 2006Full Service Brick and Mortar
    22477871Reliance Bank1254 E. University Drive, Edwardsville, IL 62025June 09, 2008Full Service Brick and Mortar
  • 16 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    074912Reliance Bank11781 Manchester Road, Des Peres, MO 63131April 16, 1999Full Service Brick and Mortar
    1362306Hazelwood Branch1001 Howdershell Road, Hazelwood, MO 63042October 13, 2001Full Service Brick and Mortar
    3424797Oakville Branch5739 Telegraph Road, Saint Louis, MO 63129January 20, 2004Full Service Brick and Mortar
    4425180Chesterfield Branch17263 Wildhorse Creek Road, Chesterfield, MO 63005November 15, 2003Full Service Brick and Mortar
    6428741O'fallon Branch2455 Highway K, O Fallon, MO 63368May 03, 2004Full Service Brick and Mortar
    7429771Fenton Branch1000 South Highway Drive, Fenton, MO 63026July 21, 2003Full Service Brick and Mortar
    8431780St. Peters Branch6100 Mexico Road, Saint Peters, MO 63376September 03, 2004Full Service Brick and Mortar
    9433447Creve Coeur Branch9769 Olive Boulevard, Creve Coeur, MO 63141December 09, 2004Full Service Brick and Mortar
    10433448Concord Village Branch39 Ronnie's Plaza, Saint Louis, MO 63126November 10, 2004Full Service Brick and Mortar
    12446101Reliance Bank Manchester Branch611 Big Bend Road, Manchester, MO 63011November 08, 2005Full Service Brick and Mortar
    13449883Reliance Bank Wildwood Branch2675 Westglen Farms Dr, Wildwood, MO 63011March 02, 2006Full Service Brick and Mortar
    14450316Reliance Bank Frontenac Branch10401 Clayton Road, Frontenac, MO 63131March 23, 2006Full Service Brick and Mortar
    15452209Reliance Bank12915 Olive Boulevard, Saint Louis, MO 63141June 26, 2006Full Service Brick and Mortar
    20457049Reliance Bank8083 Watson Road, Webster Groves, MO 63119December 04, 2006Full Service Brick and Mortar
    23478344Reliance Bank Wentzville Office Bran985 Wentzville Parkway, Wentzville, MO 63385March 18, 2008Full Service Brick and Mortar
    24478360Reliance Bank Clayton Office Branch30 North Brentwood Blvd, Saint Louis, MO 63105Febuary 19, 2008Full Service Brick and Mortar

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