River Town Bank

River Town Bank is headquartered in Dardanelle and is the 65^th largest bank in the state of Arkansas. It is also the 3,388^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 69 employees at 9 locations. River Town Bank has a 3-star health rating.

River Town Bank Routing Number: 082905990

Data for Q1 2012

Institution Statistics River Town Bank FDIC Certificate # 14749 BankRate Report View Year Established 1934 Employees 69 Primary Regulator FDIC Assets and Liabilities Assets $180.36 million Loans $118.56 million Deposits $150.78 million Equity Capital $19.22 million Loan Loss Allowance $2.01 million Unbacked Noncurrent Loans $6.24 million Real Estate Owned $2.02 million Historic Data - March 2011 Assets $176.70 million Equity Capital $18.53 million Loan Loss Allowance $1.82 million Unbacked Noncurrent Loans $2.17 million Real Estate Owned $1.89 million Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 0.68% Return on Equity 6.27% Interest Income $2.01 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, 2012 River Town Bank had $8.26 million in non-current loans and owned real-estate with $21.23 million in equity and loan loss allowances on hand to cover it. This gives River Town Bank a Texas Ratio of 38.89% 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 Town Bank increased slightly from 19.97% as of March 31, 2011 to 38.89% as of March 31, 2012, resulting in a negative change of 94.72%. This indicates that the balance sheet and financial strength for River Town Bank has declined slightly in recent periods. Deposit Growth In the past year, River Town Bank has increased its total deposits by $3.01 million, resulting in 2.04% 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 Town 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 Town Bank has $180.36 million in assets with $21.23 million in equity, resulting in a capitalization level of 11.77%, which is above average.

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