Investor Presentaiton
Business Line Profile
(1)
CRE Lending
Real estate loans for owner occupied and non-owner
occupied commercial property; includes construction and
land development ("C&D") loans
High quality credits
Low LTV ratios (policy limit of 75%)
Income-producing properties; strong cash-flow
characteristics
C&I Lending
Mix of variable and fixed rate C&I loans
Lend to small- and medium-sized' manufacturing,
wholesale, retail and service businesses
Majority are secured by business assets or real estate, but
underwritten based on cash flow of the business
•
Strong collateral profiles
SBA Lending
Designated Preferred Lender
Mostly SBA 7(a) variable-rate loans; SBA 504 from time to
time
Generally sell the 75% guaranteed portion of originated SBA
loans
SFR Lending
Originate mainly non-qualified, alternative documentation
SFR mortgage loans to accommodate needs of Asian-
American market throughout California and potentially on
the east coast and Texas
7-year hybrid adjustable rate mortgages
Offer qualified mortgage program as correspondent to
major banking financial institutions
Originate both to sell ("HFS") and hold for investment
•
HFS: primarily first trust deed mortgages on properties in
California; generally retain servicing rights when sold
RBB BANCORP
Between $1 million and $25 million annual revenue
D
皇佳商業金控 11View entire presentation