River City Bank, Inc. in Louisville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

River City Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 26703
    Status: Active
    Federal Reserve ID: 396244
    Bank Holding Company (Regulatory Top Holder): First Breckinridge Bancshares, Inc. (RSSDID: 1119404, Location: Irvington, KY)
    Date Established: June 26, 1986
    WWW: http://www.rivercitybankky.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 15916
    FDIC's unique #: 35768
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: June 26, 1986
    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: 500 South Sixth Street, Louisville, KY 40202
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $270.3 mil
    Equity capital: $45.5 mil
    Deposits held in domestic offices: $223.8 mil
    Return on assets (ROA): 1.49% ($4.0 mil)
    Quarterly return on assets: -0.20% (-$0.5 mil)
    Return on Equity (ROE): 9.05% ($4.1 mil)
    Quarterly return on equity: -1.18% (-$0.5 mil)
    Net income: $4.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 2.26% ($6,109.8 mil)
    Quarterly Pretax return on assets: -0.27% (-$729.9 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
  • 60Total employees (full-time equivalent)
  • $270,346Total assets
  • $8,463Cash and due from depository institutions
  • $441Interest-bearing balances
  • $79,960Securities
  • $28,825Federal funds sold & reverse repurchase agreements
  • $143,028Net loans & leases
  • $2,600Loan loss allowance
  • $0Trading account assets
  • $6,641Bank premises and fixed assets
  • $1,224Other real estate owned
  • $0Goodwill and other intangibles
  • $270,346Life insurance assets
  • $2,205All other assets
  • $224,888Total liabilities and capital
  • $223,824Total liabilities
  • $205,440Total deposits
  • $223,824Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $408Trading liabilities
  • $0Other borrowed funds
  • $656Subordinated debt
  • $45,458All other liabilities
  • $45,458Total equity capital
  • $45,458Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,500Surplus
  • $42,958Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,645Income earned, not collected on loans
  • $0Earning assets
  • $1,082Long-term assets (5+ years)
  • $252,254Average Assets, year-to-date
  • $21,096Average Assets, quarterly
  • $271,116Volatile liabilities
  • $271,954Insider loans
  • $114,600FHLB advances
  • $267,950Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $45,366Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,645Restructured Loans and leases
  • $34Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,944Total interest income
  • $1,823Total interest expense
  • $11,121Net interest income
  • $646Provision for loan and lease losses
  • $6,183Total noninterest income
  • $0Fiduciary activities
  • $1,041Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,142Additional noninterest income
  • $10,530Total noninterest expense
  • $3,531Salaries and employee benefits
  • $1,805Premises and equipment expense
  • $5,194Additional noninterest expense
  • $6,128Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,083Applicable income taxes
  • $4,045Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,045Net income attributable to bank
  • $0Net charge-offs
  • $4,045Cash dividends
  • $646Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 4.43%Net interest margin
  • 2.46%Noninterest income to earning assets
  • 4.20%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 2.26%Pretax return on assets
  • 9.05%Return on equity (ROE)
  • 9.05%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 10.49%Efficiency ratio
  • 60,853Assets per employee
  • 4.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 71.33%Noncurrent assets plus other real estate owned to assets
  • 1.80%Noncurrent loans to loans
  • 2.50%Net loans and leases to deposits
  • 63.90%Net loans and leases to core deposits
  • 64.48%Equity capital to assets
  • 16.81%Core capital (leverage) ratio
  • 16.93%Tier 1 risk-based capital ratio
  • 39.59%Total risk-based capital ratio
  • Memoranda
  • $41Average assets
  • $271,116Average earning assets
  • $44,678Average equity
  • $250,836Average loans

List of branches

  • 5 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    035768River City Bank, Inc.500 South Sixth Street, Louisville, KY 40202June 26, 1986Full Service Brick and Mortar
    3260011Jeffersontown Branch10130 Taylorsville Road, Jeffersontown, KY 40299August 29, 1988Full Service Brick and Mortar
    4260012Bardstown Road Branch2501 Bardstown Road, Louisville, KY 40205November 04, 1996Full Service Brick and Mortar
    5260013Highview Branch7710 Outer Loop, Louisville, KY 40228September 15, 1997Full Service Brick and Mortar
    6424227Greenwood Road Branch6308 Greenwood Road, Louisville, KY 40258November 20, 2003Full Service Brick and Mortar

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