River City Bank

River City Bank is headquartered in Rome and is the 104^th largest bank in the state of Georgia. It is also the 3,677^th largest bank in the nation. It was established in 2006 and as of March of 2013, it had grown to 39 employees at 1 location. River City Bank has a 3-star health rating.

River City Bank Routing Number: 061120770

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Data for Q1 2013

Institution Statistics River City Bank FDIC Certificate # 58289 BankRate Report View Year Established 2006 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $158.15 million Loans $97.93 million Deposits $129.89 million Equity Capital $21.02 million Loan Loss Allowance $3.09 million Unbacked Noncurrent Loans $9.63 million Real Estate Owned $2.43 million Historic Data - March 2012 Assets $179.45 million Equity Capital $20.39 million Loan Loss Allowance $3.84 million Unbacked Noncurrent Loans $13.63 million Real Estate Owned $1.69 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 0.74% Return on Equity 5.65% Interest Income $1.53 million

Institution Health Overall Score: 3 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, 2013 River City Bank had $12.06 million in non-current loans and owned real-estate with $24.1 million in equity and loan loss allowances on hand to cover it. This gives River City Bank a Texas Ratio of 50.05% which is below 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 decreased slightly from 63.43% as of March 31, 2012 to 50.05% as of March 31, 2013, resulting in a positive change of 21.09%.This indicates that the balance sheet and financial strength for River City Bank has improved slightly in recent periods. Deposit Growth In the past year, River City Bank has decreased its total deposits by -$20.83 million, resulting in -13.82% 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 has shown is poor. 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 has $158.15 million in assets with $24.1 million in equity, resulting in a capitalization level of 15.24%, which is excellent.

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