Investor Presentaiton
Safe Harbor Statement
The statements contained herein that are not historical facts are forward-looking statements based on management's current expectations and beliefs concerning future
developments and their potential effects on the Company. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally
beyond our control. There can be no assurance that future developments affecting us will be the same as those anticipated by management. We caution readers that a
number of important factors could cause actual results to differ materially from those expressed in, or implied or projected by, such forward-looking statements. These
risks and uncertainties include, but are not limited to, the following: the strength of the United States economy in general and the strength of the local economies in which
we conduct operations; the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal
Reserve System; inflation, interest rate, market and monetary fluctuations impacts on the Company's business condition and financial operating results; the impact of
changes in financial services industry policies, laws and regulations; regulatory restrictions on our ability to successfully market and price our products to consumers;
technological changes; weather, natural disasters and other catastrophic events that may or may not be caused by climate change and their effects on economic and
business environments in which the Company operates; the continuing adverse impact on the U.S. economy, including the markets in which we operate due to the
lingering effects of the COVID-19 global pandemic; the impact of a slowing U.S. economy and potentially increased unemployment on the performance of our loan
portfolio, the market value of our investment securities, the availability of, and cost of, sources of funding and the demand for our products; adverse developments with
respect to U.S. or global economic conditions and other uncertainties, including the impact of supply chain disruptions, commodities prices, inflationary pressures and
labor shortages on the economic recovery and our business; the impacts of international hostilities, terrorism or geopolitical events; the quality and quantity of our
deposits; adverse developments in the financial services industry generally such as the recent bank failures and any related impact on depositor behavior or investor
sentiment; risks related to the sufficiency of liquidity; the possibility that our recorded goodwill could become impaired, which may have an adverse impact on our earnings
and capital; the costs or effects of mergers, acquisitions or dispositions we may make, as well as whether we are able to obtain any required governmental approvals in
connection with any such mergers, acquisitions or dispositions, or identify and complete favorable transactions in the future, and/or realize the contemplated financial
business benefits associated with any such activities; the regulatory and financial impacts associated with exceeding $10 billion in total assets; the negative impact on our
reputation and profitability in the event customers experience economic harm or in the event that regulatory violations are identified; the ability to execute our business
plan in new lending markets; the future operating or financial performance of the Company, including our outlook for future growth and changes in the level and direction of
our nonperforming assets and charge-offs; the appropriateness of the allowance for credit losses, including the timing and effects of the implementation of the current
expected credit losses model; any deterioration in values of California real estate, both residential and commercial; the effectiveness of the Company's asset management
activities in improving, resolving or liquidating lower-quality assets; the effect of changes in the financial performance and/or condition of our borrowers; changes in
accounting standards and practices; possible other-than-temporary impairment of securities held by us due to changes in credit quality or rates; changes in consumer
spending, borrowing and savings habits; our ability to attract and maintain deposits and other sources of liquidity; the effects of changes in the level or cost of checking or
savings account deposits on our funding costs and net interest margin; our noninterest expense and the efficiency ratio; competition and innovation with respect to
financial products and services by banks, financial institutions and non-traditional providers including retail businesses and technology companies; the challenges of
attracting, integrating and retaining key employees; the costs and effects of litigation and of unexpected or adverse outcomes in such litigation; the vulnerability of the
Company's operational or security systems or infrastructure, the systems of third-party vendors or other service providers with whom the Company contracts, and the
Company's customers to unauthorized access, computer viruses, phishing schemes, spam attacks, human error, natural disasters, power loss and data/security breaches
and the cost to defend against and respond to such incidents; increased data security risks due to work from home arrangements and email vulnerability; failure to
safeguard personal information; changes to U.S. tax policies, including our effective income tax rate; the effect of a fall in stock market prices on our brokerage and wealth
management businesses; the transition away from the London Interbank Offered Rate toward new interest rate benchmarks; and our ability to manage the risks involved in
the foregoing. Additional factors that could cause results to differ materially from those described above can be found in our Annual Report on Form 10-K for the year
ended December 31, 2022, which has been filed with the Securities and Exchange Commission (the "SEC") and all subsequent filings with the SEC under Sections 13(a),
13(c), 14, and 15(d) of the Securities Act of 1934, as amended. Such filings are also available in the "Investor Relations" section of our website,
https://www.tcbk.com/investor-relations and in other documents we file with the SEC. Annualized, pro forma, projections and estimates are not forecasts and may not
reflect actual results. We undertake no obligation (and expressly disclaim any such obligation) to update or alter our forward-looking statements, whether as a result of
new information, future events, or otherwise, except as required by law.
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Investor Presentation | First Quarter 2023
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