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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 March 31, 2015
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$2,535,822$2,442,183$2,117,597
Loans Receivable, Net1,312,9461,293,3171,081,031
Mortgage-Backed Securities554,058535,653394,608
Investments313,877313,514382,350
Deposits2,196,5322,132,8571,833,072
Borrowings84,38164,01272,301
Equity240,106233,099200,275
Net Interest Income18,28470,34762,767
Fee Income2,77412,16911,964
Overhead15,77560,72454,016
Net Operating Income6,84229,73427,334
Net Income6,84229,73427,334
Ratio Analysis Profitability%%%
Return on Assets *1.271.301.32
Operating Return on Assets *1.271.301.32
Return on Equity *13.2013.4313.47
Net Interest Margin *3.233.273.27
Fee Income / Assets *0.510.530.58
Overhead / Assets *2.612.652.62
Efficiency Ratio68.2366.3766.38
Asset Quality%%%
Nonperforming Assets / Assets0.360.360.37
Nonperforming Assets / Equity & Loss Reserves3.553.533.64
Loss Reserves / Nonperforming Loans279.91301.85333.73
1-4 Fam Mtg + MBS / Assets31.6132.1128.95
Commercial Real Estate Loans / Assets17.6618.2219.41
Construction Loans / Assets4.604.513.84
Commercial & Industrial Loans / Assets5.115.544.96
Consumer Loans / Assets4.965.304.87
Capitalization%%%
Equity / Assets9.479.549.46
Tangible Capital / Tangible Assets7.777.777.91
Risk-based Capital Ratio13.0313.1015.06
Liquidity%%%
Loans / Deposits59.7760.6458.97
Non-Interest Bearing Deposits / Deposits22.4321.8320.81
Purchased Liabilities7.767.088.16

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