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  "documentTitle": "Ready Capital | Results Presentation Deck | 21 slides",
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  "authorName": "Ready Capital",
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  "presentationDate": "2023-02-01 00:00:00",
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      "text": "1. Average carrying value includes average quarterly carrying value of loan and servicing asset balances\n2. Gross yields include interest income, accretion of discount, MSR creation, income from our unconsolidated joint venture, realized gains (losses) on loans held for sale, unrealized gains (losses) on loans held\nfor sale and servicing income net of interest expense and amortization of deferred financing costs on an annualized basis.\n3. The Company finances the assets included in the Investment Type through securitizations, repurchase agreements, warehouse facilities and bank credit facilities. Interest expense is calculated based on\ninterest expense and deferred financing amortization for the quarter ended 12/31/2022 on an annualized basis.\n4. Excludes loans, held for sale, at fair value\n5. Excludes the equity component of our 2017 convertible note issuance.\n6. Q4 Dividend yield for the period is based on the 12/31/2022 closing share price of $11.14",
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      "text": "Loan Portfolio Metrics (4)\n% Fixed vs Floating Rate\n14%/86%\n% Originated vs Acquired\n78%/22%\nWeighted Average LTV - SBC\n66%\nWeighted Average LTV - SBA\n90%",
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      "text": "Investment Type\nAverage Carrying Value (1)\nGross Yield (2)\nAverage Debt Balance\nDebt Cost (3)\nLevered Yield\nSBC Lending and Acquisitions\n$ 9,820,719\n7.6% $ 7,360,399\n6.3%\n11.6%\nSmall Business Lending\n$ 332,027\n21.6% $ 204,018\n8.7%\n42.1%\nTotal\n$ 10,152,746\n8.1% $ 7,564,417\n6.3%\n12.3%",
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      "text": "Book Equity Value Metrics\nCommon Stockholders' equity\n$ 1,679,710\nCommon Stockholders' equity (adjusted) (5)\n$ 1,679,516\nTotal Common Shares outstanding\n110,523,641\nNet Book Value per Common Share\n$ 15.20\nAdjusted Net Book Value per Common Share\n$ 15.20",
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      "text": "Q4 2022 Earnings Data Metrics\nNet income | Distributable earnings\n13,682 $51,581\nEarnings per share - Basic and diluted\n$0.08 | $0.09\nDistributable Earnings per share - Basic and\n$0.42 | $0.40\ndiluted\nReturn on Equity per Common Share\n2.7%\nDistributable Return on Equity per Common\n11.4%\nShare\nDividend Yield (6)\n14.4%",
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      "text": "Servicing Portfolio Metrics\nSBA servicing rights - UPB\n$ 1,019,770\nSBA servicing rights- carrying value\n$ 19,756\nMulti-family servicing rights - UPB\n$ 4,839,028\nMulti-family servicing rights - carrying value\n$ 67,361\nResidential servicing rights - UPB\n$ 12,078,020\nResidential servicing rights - carrying value\n$ 192,203",
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