Investor Presentaiton
How We Measure Core Deposits
RBB reviews all deposits over $250K on a quarterly basis
Core deposits are traditionally defined as all deposits less time deposits greater than $250K →
The Bank measures core deposits as:
Demand
Deposits
Savings
Deposits
Time
Deposits
< $250,000
-if yes,
> $250,000?
Internet
Deposits?
Outside deposit
originator?
if yes, for at least three of the following:
if yes,
if yes,
× ×
Relationship
with RBB
Director or
shareholder?
Deposits
within the
Bank's
market area?
Additional
non-deposit
services with
the Bank?
Electronic
banking
services with
the Bank?
Active
demand
Deposits at
market
deposit
interest
account with
the Bank?
rates?
Relationship
with the
Bank have
longevity?
if yes,
if yes,
if yes,
if yes,
if yes,
if yes,
if yes,
Source: "Study on Core Deposits and Brokered Deposits, Submitted to Congress pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, FDIC, July 8, 2011":
https://www.fdic.gov/regulations/reform/coredeposit-study.pdf
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RBB BANCORP
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