River Bank & Trust

River Bank & Trust is headquartered in Prattville and is the 23^rd largest bank in the state of Alabama. It is also the 1,749^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 65 employees at 3 locations. River Bank & Trust has a 5-star health rating.

River Bank & Trust Routing Number: 062206567

Data for Q1 2012

Institution Statistics River Bank & Trust FDIC Certificate # 58255 BankRate Report View Year Established 2006 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $380.57 million Loans $208.12 million Deposits $336.09 million Equity Capital $36.44 million Loan Loss Allowance $4.56 million Unbacked Noncurrent Loans $1.33 million Real Estate Owned $1.18 million Historic Data - March 2011 Assets $349.01 million Equity Capital $32.96 million Loan Loss Allowance $3.41 million Unbacked Noncurrent Loans $916,000 Real Estate Owned $3.35 million Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.69% Return on Equity 7.16% Interest Income $3.73 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 March 31, 2012 River Bank & Trust had $2.5 million in non-current loans and owned real-estate with $41 million in equity and loan loss allowances on hand to cover it. This gives River Bank & Trust a Texas Ratio of 6.11% 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 River Bank & Trust decreased significantly from 11.73% as of March 31, 2011 to 6.11% as of March 31, 2012, resulting in a positive change of 47.93%.This indicates that the balance sheet and financial strength for River Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, River Bank & Trust has increased its total deposits by $24.49 million, resulting in 7.86% 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 River Bank & Trust has shown is excellent. 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. River Bank & Trust has $380.57 million in assets with $41 million in equity, resulting in a capitalization level of 10.77%, which is above average.

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