FDIC Certificate #: 58122 Status: Active Federal Reserve ID: 3349643 Bank Holding Company (Regulatory Top Holder): Relianz Bancshares, Inc. (RSSDID: 3349652, Location: Wichita, KS) Date Established: December 12, 2005 WWW:http://www.relianzbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 440117 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: December 12, 2005 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 2327 North Ridge Road, Wichita, KS 67205 County: Sedgwick Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Wichita Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Wichita, KS (#9040) Combined Statistical Area (CSA): Wichita-Winfield, KS (#556) Core Based Statistical Area (CBSA): Wichita, KS (#48620) CBSA Metro Statistical Area: Wichita, KS (#48620)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $44.1 mil Equity capital: $4.5 mil Deposits held in domestic offices: $38.2 mil Return on assets (ROA): 1.08% ($0.5 mil) Quarterly return on assets: 0.78% ($0.3 mil) Return on Equity (ROE): 10.23% ($0.4 mil) Quarterly return on equity: 7.50% ($0.3 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.09% ($480.4 mil) Quarterly Pretax return on assets: 0.88% ($387.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$44,072Total assets
$9,420Cash and due from depository institutions
$8,767Interest-bearing balances
$0Securities
$1,181Federal funds sold & reverse repurchase agreements
$31,896Net loans & leases
$626Loan loss allowance
$0Trading account assets
$1,187Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$44,072Life insurance assets
$388All other assets
$39,603Total liabilities and capital
$38,239Total liabilities
$33,151Total deposits
$38,239Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,243Trading liabilities
$0Other borrowed funds
$121Subordinated debt
$4,469All other liabilities
$4,469Total equity capital
$4,469Total bank equity capital
$0Perpetual preferred stock
$2,340Common stock
$2,062Surplus
$67Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$138Long-term assets (5+ years)
$41,844Average Assets, year-to-date
$6,661Average Assets, quarterly
$41,843Volatile liabilities
$43,579Insider loans
$31,868FHLB advances
$43,251Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,469Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,777Restructured Loans and leases
$35Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,205Total interest income
$367Total interest expense
$1,838Net interest income
$150Provision for loan and lease losses
$70Total noninterest income
$0Fiduciary activities
$42Service charges on deposit accounts
$0Trading account gains & fees
$28Additional noninterest income
$1,303Total noninterest expense
$743Salaries and employee benefits
$145Premises and equipment expense
$415Additional noninterest expense
$455Pre-tax net operating income
$0Securities gains (losses)
$3Applicable income taxes
$452Income before extraordinary items
$0Extraordinary gains - net
$452Net income attributable to bank
$0Net charge-offs
$452Cash dividends
$25Sale, conversion, retirement of capital stock, net
$213Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.54%Yield on earning assets
0.92%Cost of funding earning assets
4.62%Net interest margin
0.18%Noninterest income to earning assets
3.27%Noninterest expense to earning assets
1.08%Net operating income to assets
1.08%Return on assets (ROA)
1.09%Pretax return on assets
10.23%Return on equity (ROE)
5.41%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
600.00%Credit loss provision to net charge-offs
24.20%Efficiency ratio
68,291Assets per employee
4.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.12%Loss allowance to loans
1.92%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
83.41%Net loans and leases to core deposits
106.57%Equity capital to assets
10.14%Core capital (leverage) ratio
10.33%Tier 1 risk-based capital ratio
14.02%Total risk-based capital ratio
Memoranda
$15Average assets
$41,843Average earning assets
$4,419Average equity
$39,791Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
440117
Relianzbank
2327 North Ridge Road, Wichita, KS 67205
December 12, 2005
Full Service Brick and Mortar
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