Investor Presentaiton
Forward-Looking Statements and Non-GAAP Financial Measures
IN
Forward-Looking Statements: This presentation contains, among other things, certain forward-looking statements within the meaning of the Private Securities Litigation Reform
Act of 1995, including, without limitation, statements preceded by, followed by, or that include the words "may," "could," "should," "would," "believe," "anticipate," "estimate,"
"expect," "intend," "plan," "projects," "outlook" or similar expressions. These statements are based upon the current belief and expectations of InBankshares, Corp (the
"Company") management team and are subject to significant risks and uncertainties that are subject to change based on various factors (many of which are beyond the
Company's control). Although the Company believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove to be
inaccurate. Therefore, the Company can give no assurance that the results contemplated in the forward-looking statements will be realized. The inclusion of this forward-looking
information should not be construed as a representation by the Company or any person that the future events, plans, or expectations contemplated by the Company will be
achieved.
All subsequent written and oral forward-looking statements attributable to the Company or any person acting on its behalf are expressly qualified in their entirety by the
cautionary statements above. The Company does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the
date the forward-looking statements are made, except as required by law.
Non-GAAP Financial Measures: Some of the financial measures included in this presentation are not measures of financial performance recognized in accordance with generally
accepted accounting principles in the United States ("GAAP"). These non-GAAP financial measures include "tangible common equity," "tangible assets," "tangible common equity
to tangible assets," "tangible book value per share”, “pre-provision, pre-tax net revenue", or "PPNR," "efficiency ratio", and "core efficiency ratio". The Company believes these
non-GAAP financial measures provide both management and investors a more complete understanding of the Company's financial position and performance. These non-GAAP
financial measures are supplemental and are not a substitute for any analysis based on GAAP financial measures. Not all companies use the same calculation of these measures;
therefore, this presentation may not be comparable to other similarly titled measures as presented by other companies. A reconciliation of our non-GAAP financial measures to
the comparable GAAP financial measures is included in the Appendix.
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