Reliance Bank [Midwest]

Reliance Bank [Midwest] is headquartered in Des Peres and is the 22^nd largest bank in the state of Missouri. It is also the 633^rd largest bank in the nation. It was established in 1999 and as of September of 2011, it had grown to 181 employees at 20 locations. Reliance Bank [Midwest] has a 1-star health rating.

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Data for Q3 2011

Institution Statistics Reliance Bank FDIC Certificate # 35123 BankRate Report View Year Established 1999 Employees 181 Primary Regulator FDIC Assets and Liabilities Assets $1.06 billion Loans $696.67 million Deposits $861.13 million Equity Capital $83.85 million Loan Loss Allowance $33.25 million Unbacked Noncurrent Loans $92.71 million Real Estate Owned $34.13 million Historic Data - September 2010 Assets $1.25 billion Equity Capital $117.61 million Loan Loss Allowance $33.11 million Unbacked Noncurrent Loans $105.83 million Real Estate Owned $30.49 million Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets -1.87% Return on Equity -23.96% Interest Income $35.74 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Reliance Bank [Midwest] had $126.84 million in non-current loans and owned real-estate with $117.11 million in equity and loan loss allowances on hand to cover it. This gives Reliance Bank [Midwest] a Texas Ratio of 108.31% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Reliance Bank [Midwest] increased slightly from 90.45% as of September 30, 2010 to 108.31% as of September 30, 2011, resulting in a negative change of 19.75%. This indicates that the balance sheet and financial strength for Reliance Bank [Midwest] has declined slightly in recent periods. Deposit Growth In the past year, Reliance Bank [Midwest] has decreased its total deposits by -$145.08 million, resulting in -14.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Reliance Bank [Midwest] has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Reliance Bank [Midwest] has $1.06 billion in assets with $117.11 million in equity, resulting in a capitalization level of 11.04%, which is above average.

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