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 September 30, 2014
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$2,360,823$2,117,597$2,114,413
Loans Receivable, Net1,270,7341,081,031904,285
Mortgage-Backed Securities515,729394,608498,419
Investments339,125382,350439,533
Deposits2,058,4321,833,0721,805,399
Borrowings64,98872,30179,156
Equity222,869200,275214,820
Net Interest Income51,95962,76761,569
Fee Income9,08611,96410,116
Overhead45,04554,01652,701
Net Operating Income22,02027,33428,201
Net Income22,02027,33428,201
Ratio Analysis Profitability%%%
Return on Assets *1.331.321.39
Operating Return on Assets *1.331.321.39
Return on Equity *13.6613.4713.19
Net Interest Margin *3.293.273.25
Fee Income / Assets *0.550.580.50
Overhead / Assets *2.682.622.59
Efficiency Ratio66.3066.3863.97
Asset Quality%%%
Nonperforming Assets / Assets0.370.370.57
Nonperforming Assets / Equity & Loss Reserves3.683.645.26
Loss Reserves / Nonperforming Loans298.38333.73200.04
1-4 Fam Mtg + MBS / Assets32.4128.9532.86
Commercial Real Estate Loans / Assets18.4719.4117.92
Construction Loans / Assets4.543.843.45
Commercial & Industrial Loans / Assets5.574.964.69
Consumer Loans / Assets5.574.873.81
Capitalization%%%
Equity / Assets9.449.4610.16
Tangible Capital / Tangible Assets7.597.918.59
Risk-based Capital Ratio13.0415.0615.84
Liquidity%%%
Loans / Deposits61.7358.9750.09
Non-Interest Bearing Deposits / Deposits22.6220.8119.06
Purchased Liabilities7.108.168.89

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

Connect with us