River City Bank, Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (3.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 10.5. A current level of 1.4 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Comm re (24%), home mtgs (19%), securities (15%), comm loans (4%), cash (2%), home eq lns (2%), consumer loans (1%), other (33%)
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
-
Bank
Radcliff, KY
-
Bank
Irvington, KY
-
Bank
Clarkson, KY
-
Bank