Rbb bancorp (RBB)
Balance Sheet / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Dec'16
Assets
Cash and due from banks

285

114

136

185

250

147

171

72

53

70

69

104

74

Federal funds sold and other cash equivalents

75

67

47

20

-

-

-

-

25

80

96

58

44

Cash and cash equivalents

360

181

183

205

250

147

171

72

78

150

166

162

118

Interest-earning deposits in other financial institutions

0

0

0

1

1

0

0

0

0

0

0

0

0

Securities:
Available for sale

126

126

72

71

58

73

87

61

82

64

55

40

39

Held to maturity (fair value of $8,154 and $8,632 at March 31, 2020 and December 31, 2019, respectively)

7

8

8

8

9

9

9

9

9

10

5

6

6

Mortgage loans held for sale

52

108

-

-

-

434

-

-

-

-

-

-

-

Mortgage loans held for sale

-

-

259

249

375

-

378

281

183

125

125

83

44

Loans held for investment:
Real estate

2,051

1,852

1,785

1,736

1,776

1,762

994

876

871

839

827

763

755

Commercial and other

353

349

346

-

-

387

-

-

-

-

-

-

-

Commercial

-

-

-

362

351

-

386

407

391

410

372

386

361

Total loans

2,405

2,201

2,132

2,098

2,128

2,150

1,380

1,283

1,262

1,250

1,200

1,150

1,116

Unaccreted discount on acquired loans

-5

-5

-6

-6

-7

-9

-1

-1

-2

-2

-5

-6

-8

Deferred loan (fees) costs, net

-0

0

-0

0

0

0

2

2

1

1

1

2

2

Total loans, net of deferred loan fees

2,399

2,196

2,126

2,092

2,120

2,142

1,381

1,284

1,261

1,249

1,196

1,146

1,110

Allowance for loan losses

20

18

19

18

18

17

16

14

13

13

11

10

14

Net loans

2,379

2,178

2,106

2,073

2,102

2,124

1,365

1,269

1,247

1,235

1,185

1,135

1,096

Premises and equipment

24

16

16

17

17

17

8

7

6

6

6

6

6

Federal Home Loan Bank (FHLB) stock

15

15

15

15

8

9

7

7

6

6

6

6

6

Net deferred tax assets

-

2

4

4

4

4

7

7

6

6

9

10

11

Income tax receivable

-

-

0

3

-

-

1

2

0

0

-

-

-

Other real estate owned (OREO)

0

0

1

2

2

1

0

0

0

0

0

0

0

Bank owned life insurance (BOLI)

-

-

-

-

-

-

-

-

-

32

-

-

-

Cash surrender value of life insurance (BOLI)

34

34

34

33

33

33

33

33

32

-

32

32

21

Goodwill

69

58

58

58

58

58

29

29

29

29

29

29

29

Servicing assets

16

17

17

17

17

17

6

6

5

5

5

4

3

Core deposit intangibles

6

6

6

6

7

7

1

1

1

1

-

-

1

Core deposit intangibles

-

-

-

-

-

-

-

-

-

-

1

1

-

Accrued interest and other assets

33

34

33

32

31

33

27

25

21

14

12

12

7

Total assets

3,128

2,788

2,820

2,801

2,978

2,974

2,136

1,816

1,715

1,691

1,642

1,533

1,395

Liabilities and Shareholders’ Equity
Deposits:
Noninterest-bearing demand

504

458

446

435

418

438

287

306

316

285

287

215

174

Savings, NOW and money market accounts

571

537

493

462

480

579

462

424

399

411

362

348

296

Time deposits under $100,000

245

257

-

-

-

-

-

-

-

-

-

-

-

Time deposits $250,000 and under

-

-

-

-

-

532

-

-

-

-

-

-

-

Time deposits under $250,000

-

-

701

739

549

-

266

268

292

293

317

337

310

Time deposits $100,000 and over

1,113

995

610

597

735

593

548

424

364

346

351

377

370

Total deposits

2,435

2,248

2,251

2,235

2,184

2,144

1,564

1,424

1,373

1,337

1,318

1,278

1,152

Reserve for unfunded commitments

0

0

0

0

0

0

0

0

0

0

0

0

0

Net deferred tax liabilities

0

-

-

-

-

-

-

-

-

-

-

-

-

Income tax payable

-

-

-

1

3

-

-

-

1

-

-

-

0

FHLB advances

150

0

35

40

275

319

210

40

-

25

-

-

-

Long-term debt, net of debt issuance costs

104

104

103

103

103

103

49

49

49

49

49

49

49

Subordinated debentures

14

9

9

-

-

9

-

-

-

-

-

-

-

Subordinated debentures

-

-

-

9

9

-

3

3

3

3

3

3

3

Accrued interest and other liabilities

15

17

20

17

16

21

13

12

10

10

10

9

7

Total liabilities

2,720

2,380

2,421

2,408

2,593

2,599

1,841

1,530

1,439

1,425

1,382

1,341

1,213

Commitments and contingencies - Note 13

-

-

-

-

-

-

0

0

0

-

0

0

0

Shareholders' equity:
Preferred Stock - 100,000,000 shares authorized, no par value; none outstanding

-

-

-

-

-

-

0

0

0

-

0

0

0

Common Stock - 100,000,000 shares authorized, no par value; 19,739,280 shares issued and outstanding at March 31, 2020 and 20,030,866 shares at December 31, 2019

286

290

288

289

289

288

216

214

210

205

204

142

142

Additional paid-in capital

4

4

6

6

5

5

6

6

7

8

8

8

8

Retained earnings

116

112

103

98

89

81

73

66

58

51

47

40

30

Non-controlling interest

0

0

0

0

0

0

-

-

-

-

-

-

-

Accumulated other comprehensive income, net

0

0

0

-0

-0

-1

-

-

-

-

-

-

-

Accumulated other comprehensive income (loss) - net unrealized loss on securities available for sale, net of tax of $895 at December 31, 2018 and $104 December 31, 2017

-

-

-

-

-

-

-1

-1

-1

-0

-0

-0

-0

Total shareholders’ equity

407

407

398

393

384

374

-

-

-

265

-

-

-

Total shareholders equity

-

-

-

-

-

-

294

286

275

-

260

192

181

Total liabilities and shareholders’ equity

3,128

2,788

2,820

2,801

2,978

2,974

2,136

1,816

1,715

1,691

1,642

1,533

1,395