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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 December 31, 2015
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$2,494,748$2,442,183$2,117,597
Loans Receivable, Net1,366,4971,293,3171,081,031
Mortgage-Backed Securities526,058535,653394,608
Investments319,223313,514382,350
Deposits2,172,9742,132,8571,833,072
Borrowings60,34264,01272,301
Equity249,204233,099200,275
Net Interest Income74,26670,34762,767
Fee Income12,18012,16911,964
Overhead64,34960,72454,016
Net Operating Income30,48929,73427,334
Net Income30,48929,73427,334
Ratio Analysis Profitability%%%
Return on Assets *1.221.301.32
Operating Return on Assets *1.221.301.32
Return on Equity *12.5113.4313.47
Net Interest Margin *3.213.273.27
Fee Income / Assets *0.490.530.58
Overhead / Assets *2.582.652.62
Efficiency Ratio67.3566.3766.38
Asset Quality%%%
Nonperforming Assets / Assets0.280.360.37
Nonperforming Assets / Equity & Loss Reserves2.643.533.64
Loss Reserves / Nonperforming Loans364.31301.85333.73
1-4 Fam Mtg + MBS / Assets31.2532.1128.95
Commercial Real Estate Loans / Assets17.8518.2219.41
Construction Loans / Assets5.464.513.84
Commercial & Industrial Loans / Assets4.855.544.96
Consumer Loans / Assets5.745.304.87
Capitalization%%%
Equity / Assets9.999.549.46
Tangible Capital / Tangible Assets8.317.777.91
Risk-based Capital Ratio13.5413.1015.06
Liquidity%%%
Loans / Deposits62.8960.6458.97
Non-Interest Bearing Deposits / Deposits23.5821.8320.81
Purchased Liabilities5.307.088.16

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