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SAFE & SOUND® STAR RATINGS

RCB BANK

300 WEST PATTI PAGE BOULEVARD
CLAREMORE, Oklahoma 74017

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$2,453,689$2,442,183$2,117,597
Loans Receivable, Net1,337,3531,293,3171,081,031
Mortgage-Backed Securities547,855535,653394,608
Investments316,381313,514382,350
Deposits2,121,7832,132,8571,833,072
Borrowings71,16764,01272,301
Equity245,788233,099200,275
Net Interest Income55,14470,34762,767
Fee Income9,03112,16911,964
Overhead48,22860,72454,016
Net Operating Income22,23529,73427,334
Net Income22,23529,73427,334
Ratio Analysis Profitability%%%
Return on Assets *1.211.301.32
Operating Return on Assets *1.211.301.32
Return on Equity *12.5013.4313.47
Net Interest Margin *3.203.273.27
Fee Income / Assets *0.490.530.58
Overhead / Assets *2.592.652.62
Efficiency Ratio67.7766.3766.38
Asset Quality%%%
Nonperforming Assets / Assets0.380.360.37
Nonperforming Assets / Equity & Loss Reserves3.553.533.64
Loss Reserves / Nonperforming Loans251.97301.85333.73
1-4 Fam Mtg + MBS / Assets32.7232.1128.95
Commercial Real Estate Loans / Assets17.4418.2219.41
Construction Loans / Assets5.014.513.84
Commercial & Industrial Loans / Assets5.135.544.96
Consumer Loans / Assets6.045.304.87
Capitalization%%%
Equity / Assets10.029.549.46
Tangible Capital / Tangible Assets8.307.777.91
Risk-based Capital Ratio13.5113.1015.06
Liquidity%%%
Loans / Deposits63.0360.6458.97
Non-Interest Bearing Deposits / Deposits23.3421.8320.81
Purchased Liabilities6.457.088.16

* Calculations are based on the latest four quarters of income and expense.
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