Investor Presentation | Fourth Quarter 2023
Liquidity
➤In addition to a strong
deposit base, the bank
maintains a variety of
easily accessible funding
sources
Pledged Securities as % of Total Securities [3]
55.9 55.3
50.4
39.6
40.1
37.5 37.2 35.7 34.2
37.1 36.3 35.7
TCBK
Peers
30.8
25.2
21.5 21.9
19.0
17.6 18.6 19.8 21.8 22.8
25.3 25.3 25.3
Liquidity Sources [1]
4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23
$51
$1,559
$4.5 Billion
191% of
estimated
uninsured
Insured Deposits as % of Total Deposits [2][3]
73.2 72.7 72.5
71.2
70.3
TCBK
Peers
71.2
70.1 69.8
68.9
67.6
66.3 66.3 66.5
68.8 68.5 68.3
deposits
$2,922
64.9
63.8 63.6 63.7
64.0
62.8
62.8 62.9
62.3
■Total Borrow Capacity Unpledged Securities AFS = Cash
[1]$ millions, as of 12/31/2023, cash based upon total held at or in transit with FRB
4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23
[2] Based upon estimated uninsured deposits reported in Call Report schedule RC-O includes demand and time deposits
[3] Peer group consists of closest 99 peers in terms of assets, sourced from BankRegData.com
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Investor Presentation | Fourth Quarter 2023
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