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 March 31, 2014
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$2,152,505$2,117,597$2,114,413
Loans Receivable, Net1,101,5461,081,031904,285
Mortgage-Backed Securities407,150394,608498,419
Investments365,656382,350439,533
Deposits1,858,9551,833,0721,805,399
Borrowings66,27272,30179,156
Equity208,810200,275214,820
Net Interest Income16,20962,76761,569
Fee Income2,74411,96410,116
Overhead14,20654,01652,701
Net Operating Income6,33527,33428,201
Net Income6,33527,33428,201
Ratio Analysis Profitability%%%
Return on Assets *1.311.321.39
Operating Return on Assets *1.311.321.39
Return on Equity *13.4913.4713.19
Net Interest Margin *3.303.273.25
Fee Income / Assets *0.570.580.50
Overhead / Assets *2.662.622.59
Efficiency Ratio68.1766.3863.97
Asset Quality%%%
Nonperforming Assets / Assets0.400.370.57
Nonperforming Assets / Equity & Loss Reserves3.853.645.26
Loss Reserves / Nonperforming Loans322.10333.73200.04
1-4 Fam Mtg + MBS / Assets29.0028.9532.86
Commercial Real Estate Loans / Assets19.4119.4117.92
Construction Loans / Assets4.043.843.45
Commercial & Industrial Loans / Assets5.494.964.69
Consumer Loans / Assets4.694.873.81
Capitalization%%%
Equity / Assets9.709.4610.16
Tangible Capital / Tangible Assets8.207.918.59
Risk-based Capital Ratio15.0615.0615.84
Liquidity%%%
Loans / Deposits59.2658.9750.09
Non-Interest Bearing Deposits / Deposits20.9620.8119.06
Purchased Liabilities7.928.168.89

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