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 June 30, 2014
Federal Reserve System Identifier 945053




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$2,367,749$2,117,597$2,114,413
Loans Receivable, Net1,219,2991,081,031904,285
Mortgage-Backed Securities516,725394,608498,419
Investments347,747382,350439,533
Deposits2,068,4981,833,0721,805,399
Borrowings61,27772,30179,156
Equity220,525200,275214,820
Net Interest Income33,61962,76761,569
Fee Income5,77611,96410,116
Overhead29,16354,01652,701
Net Operating Income13,47027,33428,201
Net Income13,47027,33428,201
Ratio Analysis Profitability%%%
Return on Assets *1.301.321.39
Operating Return on Assets *1.301.321.39
Return on Equity *13.3913.4713.19
Net Interest Margin *3.283.273.25
Fee Income / Assets *0.570.580.50
Overhead / Assets *2.672.622.59
Efficiency Ratio67.0166.3863.97
Asset Quality%%%
Nonperforming Assets / Assets0.390.370.57
Nonperforming Assets / Equity & Loss Reserves3.853.645.26
Loss Reserves / Nonperforming Loans303.80333.73200.04
1-4 Fam Mtg + MBS / Assets31.8128.9532.86
Commercial Real Estate Loans / Assets19.0919.4117.92
Construction Loans / Assets3.963.843.45
Commercial & Industrial Loans / Assets5.454.964.69
Consumer Loans / Assets4.844.873.81
Capitalization%%%
Equity / Assets9.319.4610.16
Tangible Capital / Tangible Assets7.457.918.59
Risk-based Capital Ratio13.0515.0615.84
Liquidity%%%
Loans / Deposits58.9558.9750.09
Non-Interest Bearing Deposits / Deposits22.2620.8119.06
Purchased Liabilities7.278.168.89

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