Reliance Bank

Reliance Bank is headquartered in Altoona and is the 95^th largest bank in the state of Pennsylvania. It is also the 1,772^nd largest bank in the nation. It was established in 1939 and as of September of 2011, it had grown to 86 employees at 7 locations. Reliance Bank has a 5-star health rating.

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Data for Q3 2011

Institution Statistics Reliance Savings Bank FDIC Certificate # 30117 BankRate Report View Year Established 1939 Employees 86 Primary Regulator FDIC Assets and Liabilities Assets $371.54 million Loans $261.17 million Deposits $277.03 million Equity Capital $39.52 million Loan Loss Allowance $3.15 million Unbacked Noncurrent Loans $1.39 million Real Estate Owned $272,000 Historic Data - September 2010 Assets $357.29 million Equity Capital $37.56 million Loan Loss Allowance $3.71 million Unbacked Noncurrent Loans $3.07 million Real Estate Owned $330,000 Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets 0.61% Return on Equity 5.83% Interest Income $11.66 million

Institution Health Overall Score: 5 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 had $1.66 million in non-current loans and owned real-estate with $42.67 million in equity and loan loss allowances on hand to cover it. This gives Reliance Bank a Texas Ratio of 3.90% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Reliance Bank decreased significantly from 8.24% as of September 30, 2010 to 3.90% as of September 30, 2011, resulting in a positive change of 52.65%.This indicates that the balance sheet and financial strength for Reliance Bank has improved significantly in recent periods. Deposit Growth In the past year, Reliance Bank has increased its total deposits by $10.92 million, resulting in 4.1% 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 has shown is above average. 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 has $371.54 million in assets with $42.67 million in equity, resulting in a capitalization level of 11.48%, which is above average.

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