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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, 2016
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$2,542,751$2,494,748$2,442,183
Loans Receivable, Net1,379,2851,366,4971,293,317
Mortgage-Backed Securities511,708526,058535,653
Investments292,995319,223313,514
Deposits2,203,5932,172,9742,132,857
Borrowings66,05960,34264,012
Equity258,362249,204233,099
Net Interest Income18,86974,26670,347
Fee Income2,73612,18012,169
Overhead16,01364,34960,724
Net Operating Income7,11930,48929,734
Net Income7,11930,48929,734
Ratio Analysis Profitability%%%
Return on Assets *1.231.221.30
Operating Return on Assets *1.231.221.30
Return on Equity *12.3912.5113.43
Net Interest Margin *3.243.213.27
Fee Income / Assets *0.490.490.53
Overhead / Assets *2.592.582.65
Efficiency Ratio67.7767.3566.37
Asset Quality%%%
Nonperforming Assets / Assets0.390.280.36
Nonperforming Assets / Equity & Loss Reserves3.592.643.53
Loss Reserves / Nonperforming Loans231.44364.31301.85
1-4 Fam Mtg + MBS / Assets30.6131.2532.11
Commercial Real Estate Loans / Assets17.3517.8518.22
Construction Loans / Assets5.505.464.51
Commercial & Industrial Loans / Assets4.694.855.54
Consumer Loans / Assets5.355.745.30
Capitalization%%%
Equity / Assets10.169.999.54
Tangible Capital / Tangible Assets8.538.317.77
Risk-based Capital Ratio13.4213.5413.10
Liquidity%%%
Loans / Deposits62.5962.8960.64
Non-Interest Bearing Deposits / Deposits23.0623.5821.83
Purchased Liabilities5.405.307.08

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