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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, 2014
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$2,442,183$2,117,597$2,114,413
Loans Receivable, Net1,293,3171,081,031904,285
Mortgage-Backed Securities535,653394,608498,419
Investments313,514382,350439,533
Deposits2,132,8571,833,0721,805,399
Borrowings64,01272,30179,156
Equity233,099200,275214,820
Net Interest Income70,34762,76761,569
Fee Income12,16911,96410,116
Overhead60,72454,01652,701
Net Operating Income29,73427,33428,201
Net Income29,73427,33428,201
Ratio Analysis Profitability%%%
Return on Assets *1.301.321.39
Operating Return on Assets *1.301.321.39
Return on Equity *13.4313.4713.19
Net Interest Margin *3.273.273.25
Fee Income / Assets *0.530.580.50
Overhead / Assets *2.652.622.59
Efficiency Ratio66.3766.3863.97
Asset Quality%%%
Nonperforming Assets / Assets0.360.370.57
Nonperforming Assets / Equity & Loss Reserves3.533.645.26
Loss Reserves / Nonperforming Loans301.85333.73200.04
1-4 Fam Mtg + MBS / Assets32.1128.9532.86
Commercial Real Estate Loans / Assets18.2219.4117.92
Construction Loans / Assets4.513.843.45
Commercial & Industrial Loans / Assets5.544.964.69
Consumer Loans / Assets5.304.873.81
Capitalization%%%
Equity / Assets9.549.4610.16
Tangible Capital / Tangible Assets7.777.918.59
Risk-based Capital Ratio13.1015.0615.84
Liquidity%%%
Loans / Deposits60.6458.9750.09
Non-Interest Bearing Deposits / Deposits21.8320.8119.06
Purchased Liabilities7.088.168.89

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