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SAFE & SOUND® STAR RATINGS

Financial statement

RCB BANK
300 WEST PATTI PAGE BOULEVARD
CLAREMORE, Oklahoma 74017

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$2,114,413$1,997,585$1,909,097
Loans Receivable, Net904,285856,612849,808
Mortgage-Backed Securities498,419458,460442,587
Investments439,533423,152365,492
Deposits1,805,3991,697,9371,604,965
Borrowings79,15678,366112,559
Equity214,820209,038178,289
Net Interest Income61,56961,96153,659
Fee Income10,11610,40710,662
Overhead52,70152,12947,203
Net Operating Income28,20125,91830,955
Net Income28,20125,91830,955
Ratio Analysis Profitability%%%
Return on Assets *1.391.321.86
Operating Return on Assets *1.391.321.86
Return on Equity *13.1912.9918.09
Net Interest Margin *3.253.413.57
Fee Income / Assets *0.500.530.64
Overhead / Assets *2.592.672.84
Efficiency Ratio63.9763.6757.66
Asset Quality%%%
Nonperforming Assets / Assets0.570.801.16
Nonperforming Assets / Equity & Loss Reserves5.267.1411.54
Loss Reserves / Nonperforming Loans200.041.701.53
1-4 Fam Mtg + MBS / Assets32.8632.4132.70
Commercial Real Estate Loans / Assets17.9218.3918.67
Construction Loans / Assets3.453.353.99
Commercial & Industrial Loans / Assets4.695.205.09
Consumer Loans / Assets3.813.833.83
Capitalization%%%
Equity / Assets10.1610.469.34
Tangible Capital / Tangible Assets8.598.777.51
Risk-based Capital Ratio15.8415.0314.37
Liquidity%%%
Loans / Deposits50.0950.4552.95
Non-Interest Bearing Deposits / Deposits19.0618.1526.67
Purchased Liabilities8.8917.4020.00

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.65% 0.64%
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