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, 2013
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$2,117,597$2,114,413$1,997,585
Loans Receivable, Net1,081,031904,285856,612
Mortgage-Backed Securities394,608498,419458,460
Investments382,350439,533423,152
Deposits1,833,0721,805,3991,697,937
Borrowings72,30179,15678,366
Equity200,275214,820209,038
Net Interest Income62,76761,56961,961
Fee Income11,96410,11610,407
Overhead54,01652,70152,129
Net Operating Income27,33428,20125,918
Net Income27,33428,20125,918
Ratio Analysis Profitability%%%
Return on Assets *1.321.391.32
Operating Return on Assets *1.321.391.32
Return on Equity *13.4713.1912.99
Net Interest Margin *3.273.253.41
Fee Income / Assets *0.580.500.53
Overhead / Assets *2.622.592.67
Efficiency Ratio66.3863.9763.67
Asset Quality%%%
Nonperforming Assets / Assets0.370.570.80
Nonperforming Assets / Equity & Loss Reserves3.645.267.14
Loss Reserves / Nonperforming Loans333.73200.041.70
1-4 Fam Mtg + MBS / Assets28.9532.8632.41
Commercial Real Estate Loans / Assets19.4117.9218.39
Construction Loans / Assets3.843.453.35
Commercial & Industrial Loans / Assets4.964.695.20
Consumer Loans / Assets4.873.813.83
Capitalization%%%
Equity / Assets9.4610.1610.46
Tangible Capital / Tangible Assets7.918.598.77
Risk-based Capital Ratio15.0615.8415.03
Liquidity%%%
Loans / Deposits58.9750.0950.45
Non-Interest Bearing Deposits / Deposits20.8119.0618.15
Purchased Liabilities8.168.8917.40

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

Connect with us