Investor Presentaiton
Well-Diversified Revenue Streams
Significant year-over-year noninterest income growth
• Increase in customer base
Higher amount of loans being serviced
• Net decrease in recoveries on acquired loans
Noninterest Income for the
Three Months Ended September 30,
2016
2017
Total: $3.7 million
6.0%
0.5%
8.6%
SFR and SBA product offerings have further diversified
the Bank's revenue stream
Total: $2.6 million
1.8%
5.4%
3.7%
(Dollars in thousands)
For the Three
Months
Ended September
30,
2016
2017 Change
Noninterest Income:
Service Charges, Fees and Other
72.0%
$443
$518 16.9%
Gain on Sale of Loans
1,870
2,584 38.2%
Loan Servicing Fees, Net Amortization
95
314
230.5%
Recoveries on Aquired Loans¹
47
19
(59.6%)
BOLI Income²
141
219
55.3%
Total Noninterest Income
$2,596
$3,654
40.8%
(1) Refers to loans acquired in business combinations
(2) Refers to the value of the increase in cash surrender of life insurance
17.1%
70.7%
14.2%
Service Charges, Fees and Other
Loan Servicing Fees
Gain on Sale of Loans
Recoveries on Acquired Loans¹
BOLI Income²
RBB BANCORP
皇佳商業金控 20View entire presentation