Investor Presentaiton
29
9
139%
202%
Coverage Ratio: Allowance as % of Non-Performing Loans
Asset Quality
➤ Net charge offs of $1.6MM related
to previously identified specific
reserves, while forward-looking Q
factors drove increased allowance.
Over the past three years both the
Bank's total non-performing assets
and coverage ratio have remained
better than peers.
Non-Performing Assets as a % of Total Assets
0.73%
0.75% 0.73%
TCBK
Peers
0.68%
0.64%
0.62%
0.58%
Q.53%
0.54% 0.55%
0.51% 0.50%
0.42%
0.38% 0.38%
0.37% 0.38%
0.30% 0.31% 0.33%
0.25%
0.21%
0.17% 0.15%
0.20%
2020 2020 2020 2020
Q1 Q2 Q3 Q4
2021
Q1
2021 2021 2021 2022 2022
Q2
Q3
Q4
Q1
2022 2022 2023
Q2 Q3 Q4 Q1
TCBK Peers
385%
395%
342%
343%
297%
293%
281%
263%
Investor Presentation | First Quarter 2023
191%
179%
187%
194%
197%
690%
831%
2020 Q1
2020 Q2
2020 Q4
2021 Q2
2021 Q3
2021 Q4
2022 Q1
2022 Q2
2022 Q3
2022 Q4
2023 Q1
2020 Q3
2021 Q1
Peer group consists of 99 closest peers in terms of asset size, range $6.0-13.7 Billion, source: BankRegData.com
NPA and NPL ratios displayed are net of guarantees
210%
217%
309%
322%
trico bancshares
586%
304%
501%
686%View entire presentation