River Bank & Trust in Prattville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • River Bank & Trust in Prattville, Alabama (AL)
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River Bank & Trust - Overview

  • General
  • FDIC Certificate #: 58255
    Status: Active
    Federal Reserve ID: 3437157
    Date Established: April 03, 2006
    WWW: http://www.riverbankandtrust.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 444616
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 03, 2006
    Last Structure Change Effective Date: April 03, 2006
    Last Structure Change Process Date: April 06, 2006
    Last Data Update: April 06, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2611 Legends Drive, Prattville, AL 36066
    County: Autauga
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Montgomery, AL (#5240)
    Combined Statistical Area (CSA): Montgomery-Alexander City, AL (#388)
    Core Based Statistical Area (CBSA): Montgomery, AL (#33860)
    CBSA Metro Statistical Area: Montgomery, AL (#33860)
  • History of Changes
  • New Institution
    Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $373.1 mil
    Equity capital: $36.1 mil
    Deposits held in domestic offices: $329.8 mil
    Return on assets (ROA): 0.62% ($2.3 mil)
    Quarterly return on assets: 0.74% ($2.8 mil)
    Return on Equity (ROE): 6.49% ($2.3 mil)
    Quarterly return on equity: 7.52% ($2.7 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.95% ($3,544.8 mil)
    Quarterly Pretax return on assets: 1.12% ($4,179.1 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 61Total employees (full-time equivalent)
  • $373,135Total assets
  • $17,474Cash and due from depository institutions
  • $6,848Interest-bearing balances
  • $111,227Securities
  • $8,760Federal funds sold & reverse repurchase agreements
  • $212,302Net loans & leases
  • $3,791Loan loss allowance
  • $0Trading account assets
  • $12,951Bank premises and fixed assets
  • $1,360Other real estate owned
  • $0Goodwill and other intangibles
  • $373,135Life insurance assets
  • $9,061All other assets
  • $337,024Total liabilities and capital
  • $329,846Total liabilities
  • $276,742Total deposits
  • $329,846Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 6627.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $551Subordinated debt
  • $36,111All other liabilities
  • $36,111Total equity capital
  • $36,111Total bank equity capital
  • $0Perpetual preferred stock
  • $3,044Common stock
  • $28,938Surplus
  • $4,129Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $178Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $870Income earned, not collected on loans
  • $0Earning assets
  • $1,425Long-term assets (5+ years)
  • $339,137Average Assets, year-to-date
  • $120,367Average Assets, quarterly
  • $358,542Volatile liabilities
  • $362,259Insider loans
  • $246,676FHLB advances
  • $361,569Loans and leases held for sale
  • $5,141Unused loan commitments
  • $5,141Tier 1 (core) risk-based capital
  • $35,744Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $38,960Restructured Loans and leases
  • $19,898Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,396Total interest income
  • $2,500Total interest expense
  • $12,896Net interest income
  • $1,837Provision for loan and lease losses
  • $1,565Total noninterest income
  • $0Fiduciary activities
  • $648Service charges on deposit accounts
  • $0Trading account gains & fees
  • $917Additional noninterest income
  • $9,265Total noninterest expense
  • $4,226Salaries and employee benefits
  • $1,262Premises and equipment expense
  • $3,777Additional noninterest expense
  • $3,359Pre-tax net operating income
  • $60Securities gains (losses)
  • $1,197Applicable income taxes
  • $2,222Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,222Net income attributable to bank
  • $0Net charge-offs
  • $2,222Cash dividends
  • $1,617Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 6.49%Return on equity (ROE)
  • 6.49%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 113.61%Credit loss provision to net charge-offs
  • 3.21%Efficiency ratio
  • 64,069Assets per employee
  • 6.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 435.75%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 64.36%Net loans and leases to core deposits
  • 70.45%Equity capital to assets
  • 9.68%Core capital (leverage) ratio
  • 9.89%Tier 1 risk-based capital ratio
  • 14.49%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $358,542Average earning assets
  • $34,260Average equity
  • $324,991Average loans

List of branches

  • 3 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0444616River Bank & Trust2611 Legends Drive, Prattville, AL 36066April 03, 2006Full Service Brick and Mortar
    1450391Wetumpka Branch10 Cambridge Drive, Wetumpka, AL 36093April 03, 2006Full Service Brick and Mortar
    2465943East Montgomery Branch7075 Halcyon Park Dr., Montgomery, AL 36117July 05, 2006Full Service Brick and Mortar

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