River City Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Good (6.9) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.4). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 9.2.
Asset Mix:
Comm re (42%), securities (16%), cash (6%), home mtgs (3%), comm loans (2%), other (30%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
2480 Natomas Park Drive
Sacramento, CA 95833
Sacramento, CA 95833
Phone Number
(916) 567-2600
Year Founded
1973
FDIC Number
Website
Largest Affiliates
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