Investor Presentaiton
RBB Bancorp - Who We Are
Overview
Established in 2008 and headquartered in Los
Angeles, California
.
$1.6 billion asset Chinese-American, business-
oriented community bank
13 traditional branches
• 12 located in Southern California
• 1 in Nevada
Four principal business lines:
•
Commercial Real Estate ("CRE")
Financial Highlights
For the Three Months Ended September 30, 2017:
Balance Sheet (Dollars in millions)
Total Assets
$1,643
Total Loans, Including Held for Sale
$1,322
Total Deposits
$1,318
Tangible Common Equity¹
$229
Tangible Common Equity / Tangible Assets¹
14.20%
NPAs / Assets²
0.26%
• Commercial & Industrial ("C&I")
1-4 Single Family Residential ("SFR")
• SBA Lending ("SBA")
Four successful acquisitions completed since 2010
Certified Community Development Financial
Institution since mid-February 2016
Profitability
Return on Average Assets
1.65%
Return on Average Common Equity
11.04%
FTE Net Interest Margin
3.91%
FTE Efficiency Ratio
38.87%
(1)
Non-GAAP reconciliation in Appendix on page 26
(2)
Nonperforming assets include nonaccrual loans, loans past due 90 days or more and still accruing interest, loans modified under troubled debt restructurings, a SBA
guaranteed loan as to which RBB received a $3.6 million payment in July 2017 pursuant to a SBA loan guaranty, and other repossessed assets; excludes purchased credit
impaired ("PCI") loans
מו
RBB BANCORP
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