River City Bank, Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 11.7. A current level of 2.2 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (7.7).
Asset Mix:
Comm re (25%), home mtgs (20%), securities (15%), comm loans (3%), cash (3%), home eq lns (2%), consumer loans (0%), other (32%)
States with Branches:
IN, KY
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
First Breckinridge Bancshares, Inc.
Investment Rating
--
Address
500 South Sixth Street
Louisville, KY 40202
Louisville, KY 40202
Phone Number
(502) 585-4600
Year Founded
1986
FDIC Number
Website
Largest Affiliates
Bowling Green, KY
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Bank
Radcliff, KY
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Bank
Irvington, KY
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Bank
Clarkson, KY
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Bank