River City Bank in Sacramento, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

River City Bank - Overview

  • General
  • FDIC Certificate #: 18983
    Status: Active
    Federal Reserve ID: 253468
    Date Established: December 16, 1963
    WWW: http://www.rcbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 15 (Domestic: 15, Interstate: No)
    OTS Docket #: 13753
    FDIC's unique #: 12827
    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: December 16, 1963
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2485 Natomas Park Drive, Sacramento, CA 95833
    County: Sacramento
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Sacramento, CA (#6920)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,119.8 mil
    Equity capital: $124.2 mil
    Deposits held in domestic offices: $900.1 mil
    Return on assets (ROA): 1.00% ($11.2 mil)
    Quarterly return on assets: 0.94% ($10.5 mil)
    Return on Equity (ROE): 8.91% ($11.0 mil)
    Quarterly return on equity: 8.35% ($10.4 mil)
    Net income: $10.6 mil
    Quarterly Net income: $2.6 mil
    Pretax return on assets: 1.55% ($17,356.2 mil)
    Quarterly Pretax return on assets: 1.36% ($15,228.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 138Total employees (full-time equivalent)
  • $1,119,755Total assets
  • $97,227Cash and due from depository institutions
  • $66,431Interest-bearing balances
  • $430,898Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $549,244Net loans & leases
  • $24,962Loan loss allowance
  • $0Trading account assets
  • $6,884Bank premises and fixed assets
  • $5,980Other real estate owned
  • $0Goodwill and other intangibles
  • $1,119,755Life insurance assets
  • $29,522All other assets
  • $995,546Total liabilities and capital
  • $900,059Total liabilities
  • $662,037Total deposits
  • $900,059Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 73777.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,732Trading liabilities
  • $0Other borrowed funds
  • $4,978Subordinated debt
  • $124,209All other liabilities
  • $124,209Total equity capital
  • $124,209Total bank equity capital
  • $9,833Perpetual preferred stock
  • $22,837Common stock
  • $2,191Surplus
  • $89,348Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,729Income earned, not collected on loans
  • $0Earning assets
  • $4,444Long-term assets (5+ years)
  • $1,046,573Average Assets, year-to-date
  • $436,494Average Assets, quarterly
  • $1,062,353Volatile liabilities
  • $1,100,930Insider loans
  • $679,400FHLB advances
  • $1,099,216Loans and leases held for sale
  • $5,819Unused loan commitments
  • $5,819Tier 1 (core) risk-based capital
  • $114,971Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $136,919Restructured Loans and leases
  • $2,075Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $42,583Total interest income
  • $4,095Total interest expense
  • $38,488Net interest income
  • $4,028Provision for loan and lease losses
  • $8,704Total noninterest income
  • $0Fiduciary activities
  • $3,376Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,328Additional noninterest income
  • $26,787Total noninterest expense
  • $11,608Salaries and employee benefits
  • $6,425Premises and equipment expense
  • $8,754Additional noninterest expense
  • $16,377Pre-tax net operating income
  • $131Securities gains (losses)
  • $5,888Applicable income taxes
  • $10,620Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,620Net income attributable to bank
  • $0Net charge-offs
  • $10,620Cash dividends
  • $3,486Sale, conversion, retirement of capital stock, net
  • $1,204Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 8.91%Return on equity (ROE)
  • 7.90%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 115.55%Credit loss provision to net charge-offs
  • 5.85%Efficiency ratio
  • 56,762Assets per employee
  • 8.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.34%Loss allowance to loans
  • 4.35%Loss allowance to noncurrent loans
  • 435.71%Noncurrent assets plus other real estate owned to assets
  • 1.05%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 61.02%Net loans and leases to core deposits
  • 67.13%Equity capital to assets
  • 11.09%Core capital (leverage) ratio
  • 10.46%Tier 1 risk-based capital ratio
  • 16.92%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $1,062,353Average earning assets
  • $119,218Average equity
  • $981,166Average loans

List of branches

  • 15 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012827River City Bank2485 Natomas Park Drive, Sacramento, CA 95833December 16, 1963Full Service Brick and Mortar
    214774Elk Grove Branch8923 Elk Grove Boulevard, Elk Grove, CA 95624December 14, 1973Full Service Brick and Mortar
    3252761Howe Avenue Branch900 Howe Avenue, Sacramento, CA 95825March 08, 1975Full Service Brick and Mortar
    4252762Placerville Branch348 Main Street, Placerville, CA 95667November 22, 1975Full Service Brick and Mortar
    5252763Sunrise Branch5650 Sunrise Boulevard, Citrus Heights, CA 95610October 19, 1976Full Service Brick and Mortar
    6252765Woodland Branch199 Main Street, Woodland, CA 95695December 03, 1979Full Service Brick and Mortar
    7246998K Street Mall Branch900 K Street, Sacramento, CA 95814March 12, 1990Full Service Brick and Mortar
    8246999Bel Air Supermarket Branch1039 Sunrise Boulevard, Bel Air Supermarket, Roseville, CA 95661October 14, 1991Full Service Brick and Mortar
    9247000West Roseville Branch4000 Foothills Boulevard, Suite 110, Roseville, CA 95747September 29, 1997Full Service Brick and Mortar
    10247001Davis Office239 E Street, Davis, CA 95616March 09, 1998Full Service Brick and Mortar
    12365961Granite Bay Branch3992 Douglas Boulevard, Ste. 110, Roseville, CA 95661January 21, 2003Full Service Brick and Mortar
    13428039Elk Grove7127 Elk Grove Blvd, Suite 103, Elk Grove, CA 95758April 05, 2004Full Service Brick and Mortar
    15458379North Natomas Branch2800 Del Paso Road, Suite 100, Sacramento, CA 95834September 18, 2006Full Service Brick and Mortar
    16465228Stockton Branch4027 East Morada Lane, Stockton, CA 95212June 20, 2007Full Service Retail
    17470794Modesto Branch3020 Floyd Avenue #117, Modesto, CA 95355January 29, 2008Full Service Retail

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