RCB Bank in Claremore, Oklahoma (OK), KS
Overview, Financial Summary, Detailed Financial Reports, Branches

RCB Bank - Overview

  • General
  • FDIC Certificate #: 15399
    Status: Active
    Federal Reserve ID: 945053
    Bank Holding Company (Regulatory Top Holder): Rcb Holding Company, Inc. (RSSDID: 1130584, Location: Claremore, OK)
    Date Established: January 14, 1936
    WWW: http://www.rcbbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 30 (Domestic: 30, Interstate: Yes)
    FDIC's unique #: 9716
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 09, 1936
    Last Structure Change Effective Date: May 06, 2011
    Last Structure Change Process Date: June 21, 2011
    Last Data Update: June 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 West Patti Page Boulevard, Claremore, OK 74017
    County: Rogers
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
    Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
    Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
    CBSA Metro Statistical Area: Tulsa, OK (#46140)
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $1,997.6 mil
    Equity capital: $209.0 mil
    Deposits held in domestic offices: $1,697.9 mil
    Return on assets (ROA): 1.32% ($26.4 mil)
    Quarterly return on assets: 1.37% ($27.4 mil)
    Return on Equity (ROE): 13.27% ($27.7 mil)
    Quarterly return on equity: 13.15% ($27.5 mil)
    Net income: $25.9 mil
    Quarterly Net income: $6.8 mil
    Pretax return on assets: 1.32% ($26,368.1 mil)
    Quarterly Pretax return on assets: 1.37% ($27,366.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 539Total employees (full-time equivalent)
  • $1,997,585Total assets
  • $140,543Cash and due from depository institutions
  • $95,425Interest-bearing balances
  • $881,612Securities
  • $1,031Federal funds sold & reverse repurchase agreements
  • $856,612Net loans & leases
  • $14,578Loan loss allowance
  • $0Trading account assets
  • $43,128Bank premises and fixed assets
  • $10,319Other real estate owned
  • $37,003Goodwill and other intangibles
  • $1,997,585Life insurance assets
  • $27,337All other assets
  • $1,788,547Total liabilities and capital
  • $1,697,937Total liabilities
  • $1,389,746Total deposits
  • $1,697,937Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 66775.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,591Trading liabilities
  • $0Other borrowed funds
  • $12,244Subordinated debt
  • $209,038All other liabilities
  • $209,038Total equity capital
  • $209,038Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $94,197Surplus
  • $113,841Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,033Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,675Income earned, not collected on loans
  • $40Earning assets
  • $9,108Long-term assets (5+ years)
  • $1,834,680Average Assets, year-to-date
  • $914,744Average Assets, quarterly
  • $1,961,425Volatile liabilities
  • $1,990,391Insider loans
  • $1,000,933FHLB advances
  • $1,934,238Loans and leases held for sale
  • $13Unused loan commitments
  • $13Tier 1 (core) risk-based capital
  • $137,907Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $143,417Restructured Loans and leases
  • $19,242Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $78,474Total interest income
  • $16,513Total interest expense
  • $61,961Net interest income
  • $4,497Provision for loan and lease losses
  • $19,918Total noninterest income
  • $1,775Fiduciary activities
  • $9,159Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,984Additional noninterest income
  • $52,129Total noninterest expense
  • $32,132Salaries and employee benefits
  • $7,109Premises and equipment expense
  • $12,888Additional noninterest expense
  • $25,253Pre-tax net operating income
  • $665Securities gains (losses)
  • $0Applicable income taxes
  • $25,918Income before extraordinary items
  • $0Extraordinary gains - net
  • $25,918Net income attributable to bank
  • $0Net charge-offs
  • $25,918Cash dividends
  • $2,963Sale, conversion, retirement of capital stock, net
  • $17,092Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.35%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.44%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.32%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 13.27%Return on equity (ROE)
  • 4.52%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 151.77%Credit loss provision to net charge-offs
  • 10.04%Efficiency ratio
  • 62,741Assets per employee
  • 3.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.95%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 256.88%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 0.65%Net loans and leases to deposits
  • 50.45%Net loans and leases to core deposits
  • 54.51%Equity capital to assets
  • 10.46%Core capital (leverage) ratio
  • 7.13%Tier 1 risk-based capital ratio
  • 13.78%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,961,425Average earning assets
  • $195,243Average equity
  • $1,802,157Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $222,660Managed Assets
  • 1Number of Accounts
  • $110,508Personal trust and agency accounts
  • $66,195Employee benefit-defined contribution accounts
  • $1,882Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $21,356Corporate trust and agency accounts
  • $171Investment management agency accounts
  • $20,903Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $1Non-managed Assets
  • 1049Number of Accounts
  • $0Personal trust and agency accounts
  • $21,356Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $112,152Other retirement accounts
  • $2,987Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $14,330Fiduciary accounts held in foreign offices

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    293060South Summit Branch126 South Summit, Arkansas City, KS 67005January 01, 1888Full Service Brick and Mortar
    30203930Drive-In Branch601 North Summit Street, Arkansas City, KS 67005June 12, 1963Limited Service Facility
    31203931North Branch2019 North Summit, Arkansas City, KS 67005June 01, 1976Limited Service Facility
    32203933Winfield Branch1610 Main Street, Winfield, KS 67156June 01, 1998Full Service Brick and Mortar
  • 26 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09716Rcb Bank300 West Patti Page Boulevard, Claremore, OK 74017January 14, 1936Full Service Brick and Mortar
    26844Claremore Branch511 West Will Rogers Boulevard, Claremore, OK 74017January 01, 1934Full Service Brick and Mortar
    316216Owasso Branch11633 East 86th Street, North, Owasso, OK 74055June 30, 1980Full Service Brick and Mortar
    4329Collinsville Branch111 North Eleventh Street, Collinsville, OK 74021January 01, 1928Full Service Brick and Mortar
    516983Skiatook Branch1001 West Rogers, Skiatook, OK 74070March 28, 1983Full Service Brick and Mortar
    6233816South Branch1600 Lynn Riggs Boulevard, Claremore, OK 74017August 19, 1994Full Service Brick and Mortar
    710864Pryor Branch222 S.E. First Street, Pryor, OK 74361November 22, 1948Full Service Brick and Mortar
    814764Broken Arrow Branch1300 East Kenosha, Broken Arrow, OK 74012December 03, 1973Full Service Brick and Mortar
    11233818Union Branch5000 West Kenosha, Broken Arrow, OK 74012July 10, 1998Full Service Brick and Mortar
    12233819Inola Branch11 West Commercial, Inola, OK 74036April 24, 1998Full Service Brick and Mortar
    1336002196th Street Branch12200 E. 96th Street, Owasso, OK 74055May 10, 2001Full Service Brick and Mortar
    14452358Midamerica Branch5101 S. Mill, Pryor, OK 74361January 26, 2006Full Service Brick and Mortar
    15452359Catoosa Branch1727 N Highway 66, Catoosa, OK 74015Febuary 13, 2006Full Service Brick and Mortar
    17418834Okc Downtown Branch701 N Broadway, Oklahoma City, OK 73102April 24, 2000Full Service Brick and Mortar
    18429368Edmond Office Branch610 S. Kelly, Edmond, OK 73003March 30, 2004Full Service Brick and Mortar
    192691Rcb Bank Pioneer Branch1223 E Highland Ave, Ponca City, OK 74601January 01, 1902Full Service Brick and Mortar
    20202310Motor Bank BranchTwo Lake Road, Ponca City, OK 74601October 11, 1977Limited Service Facility
    22491994Walmart - 1500 S. Lynn Riggs Blvd.1500 S. Lynn Riggs Blvd., Claremore, OK 74017July 01, 2009Full Service Retail
    23494783Nichols Hills Branch7400 N Western Ave, Oklahoma City, OK 73116December 01, 2006Full Service Brick and Mortar
    247439Blackwell Branch1350 West Doolin, Blackwell, OK 74631December 21, 1933Full Service Brick and Mortar
    25225268Express Branch212 North Second Street, Ponca City, OK 74601July 24, 1972Limited Service Facility
    2617269North 14th Street Branch2901 North 14th Street, Ponca City, OK 74601January 03, 1984Full Service Brick and Mortar
    27278819Stillwater Branch324 South Duck, Stillwater, OK 74074January 01, 1918Full Service Brick and Mortar
    28225270Second And Grand BranchSecond And Grand, Ponca City, OK 74601November 14, 1997Full Service Brick and Mortar
    358526Shidler Branch201 South Cosden, Shidler, OK 74652January 01, 1934Full Service Brick and Mortar
    36444051Bartlesville Branch4224 Se Adams Road, Bartlesville, OK 74006August 08, 2005Full Service Brick and Mortar

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