River Cities Bank

River Cities Bank is headquartered in Wisconsin Rapids and is the 113^st largest bank in the state of Wisconsin. It is also the 3,270^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 35 employees at 3 locations. River Cities Bank has a 5-star health rating.

River Cities Bank Routing Number: 075917791

River Cities Bank CD Rates

Data for Q1 2012

Institution Statistics River Cities Bank FDIC Certificate # 34304 BankRate Report View Year Established 1997 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $188.97 million Loans $125.33 million Deposits $151.59 million Equity Capital $24.17 million Loan Loss Allowance $3.32 million Unbacked Noncurrent Loans $2.30 million Real Estate Owned $68,000 Historic Data - March 2011 Assets $183.75 million Equity Capital $21.57 million Loan Loss Allowance $3.14 million Unbacked Noncurrent Loans $2.25 million Real Estate Owned $277,000 Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 1.18% Return on Equity 9.26% Interest Income $2.07 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 Cities Bank had $2.37 million in non-current loans and owned real-estate with $27.48 million in equity and loan loss allowances on hand to cover it. This gives River Cities Bank a Texas Ratio of 8.61% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for River Cities Bank decreased slightly from 10.27% as of March 31, 2011 to 8.61% as of March 31, 2012, resulting in a positive change of 16.23%.This indicates that the balance sheet and financial strength for River Cities Bank has improved slightly in recent periods. Deposit Growth In the past year, River Cities Bank has increased its total deposits by $2.9 million, resulting in 1.95% 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 Cities 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. River Cities Bank has $188.96 million in assets with $27.48 million in equity, resulting in a capitalization level of 14.54%, which is excellent.

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