Live Oak Bancshares — KBW Hosted Conference Call (December 2015)

7 slides from Live Oak Bancshares's conference presentation, December 2015

Slide 1: Investor Presentation
Investor Presentation December 2015
Slide 2: Forward Looking Statements
Forward Looking Statements Information in this presentation may contain “forward-looking statements” within the Private Securities Litigation financial institutions operating in our market area and elsewhere, including institutions operating regionally, Reform Act of 1995. These statements generally
Slide 3: Domain Experts at Live Oak Bank
Domain Experts at Live Oak Bank Ver$cality Mark Milton – Death Care Management Jimmy Neil – Independent Jeff Clark- Wine & Craft • 25 years in financial services Pharmacies Beverage • Led merger & acquisition • 16 Years at Cardinal • 20 years in Industry strategies in the funeral trust • Practice Tr
Slide 4: Live Oak Revenue Generation
Live Oak Revenue Generation Overview Typical $1 Million Loan Income Statement 75% Guaranteed 750,000 Year ended December 31, 2014 (dollars in thousands) Gain on Sale 10% 75,000 Interest Income 20,509 Servicing Income 1% 7,500 Interest Expense 5,852 15% Unguaranteed 150,000 Net Interest Income 14,657
Slide 5: Production Growth & Platform Scalability
Production Growth & Platform Scalability Ver$cality 5
Slide 6: Revenue by Vertical (Year Ended December 31, 2014)
Revenue (dollars in millions) by Vertical (Year Ended December 31, 2014) Ver$cality 6
Slide 7: Gain on Sale Trends
Gain on Sale Trends Overview Source: Government Loan Solu2ons research 7