• FDIC Bank Information (Use Certificate #39)
• 2007 Annual Report

February 9, 2008

Dear Stockholder:

Thank you for your investment in RBC, Inc. As we enter our 138th year we look forward to the future and are pleased to report on the bank’s performance this past year.

2007 marked the first year your bank was treated as a Subchapter S Corporation for federal tax purposes. The change of status required a one time tax adjustment during the year.

As reported herein, compared to 2006, improvements were made in both Return on Average Assets and Return on Average Equity. Even after distributing a large portion of our earnings to the stockholders your book value per share increased to $35.53 compared to $25.80 at year end 2006. Additionally, during a year when the larger regional and multinational banks were forced to write down record levels of nonperforming assets, we are pleased to report that 2007 produced one of the lowest levels of write offs in our recent history.

Many goals were met in 2007 that positioned your bank to accomplish more in 2008. Be sure to visit www.robertsonbanking.com at About Us, for financial and other information.

Please review the financial data reflected in this annual report. You are cordially invited to attend the Annual Stockholders Meeting scheduled on Tuesday, March 18th, 2008 at 3:00 PM at the bank.