River City Bank (KY)

River City Bank (KY) is headquartered in Louisville and is the 50^th largest bank in the state of Kentucky. It is also the 2,332^nd largest bank in the nation. It was established in 1986 and as of September of 2011, it had grown to 59 employees at 5 locations. River City Bank (KY)'s money market rates are 25% higher than the national average, and it boasts a 5-star health rating.

River City Bank (KY) Checking Account Rates

River City Bank (KY) Savings Account Rates

River City Bank (KY) Money Market Rates

River City Bank (KY) CD Rates

Data for Q3 2011

Institution Statistics River City Bank, Inc. FDIC Certificate # 26703 BankRate Report View Year Established 1986 Employees 59 Primary Regulator FDIC Assets and Liabilities Assets $273.56 million Loans $144.74 million Deposits $225.95 million Equity Capital $45.62 million Loan Loss Allowance $2.61 million Unbacked Noncurrent Loans $3.75 million Real Estate Owned $1.39 million Historic Data - September 2010 Assets $263.82 million Equity Capital $41.48 million Loan Loss Allowance $2.60 million Unbacked Noncurrent Loans $4.31 million Real Estate Owned $2.83 million Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets 2.05% Return on Equity 12.53% Interest Income $9.80 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 September 30, 2011 River City Bank (KY) had $5.15 million in non-current loans and owned real-estate with $48.23 million in equity and loan loss allowances on hand to cover it. This gives River City Bank (KY) a Texas Ratio of 10.67% 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 City Bank (KY) decreased slightly from 16.20% as of September 30, 2010 to 10.67% as of September 30, 2011, resulting in a positive change of 34.11%.This indicates that the balance sheet and financial strength for River City Bank (KY) has improved slightly in recent periods. Deposit Growth In the past year, River City Bank (KY) has increased its total deposits by $6.22 million, resulting in 2.83% 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 City Bank (KY) 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 City Bank (KY) has $273.56 million in assets with $48.23 million in equity, resulting in a capitalization level of 17.63%, which is excellent.

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