Investor Presentation | Fourth Quarter 2023
Gross Production vs. Payoff
In addition to the nearly $0.8
billion in non-PPP loan
originations in 2020, TCBK
originated over $0.4 billion in
PPP loans.
TCBK originated nearly $1.5
billion in 2021, while facing
headwinds of an increased $372
million in payoffs during 2021.
Originations and net loan
growth in 2022 were supportive
of the positive mix shift in
earning assets and facilitated
both NII and NIM expansion.
Slower pace of originations
commensurate with market
rate changes, liquidity
management, and NIM
preservation.
"
$6
$6
$33
$42
$4
$22
$36
$178
$199
$165
$250
$464
$285
$303
$412
$396
$473
$446
$250
$159
$170
$247
$193
-$118
-$139
-$131
-$20
-$56
-$166
-$47
-$192
-$205
-$225
-$241
-$59
-$243
-$250
-$270
-$33
-$47
Q1-2020 Q2-2020 Q3-2020 Q4-2020 Q1-2021
-$92
-$83
-$110
-$107
-$110
-$4
-$94
Q2-2021 Q3-2021 Q4-2021 Q1-2022 Q2-2022 Q3-2022 Q4-2022 Q1-2023 Q2-2023 Q3-2023 Q4-2023
■Balance Change net of Originations and Payoffs
■Payoffs
■Origination
Outstanding Principal in Millions, excludes PPP
Includes Q1 2021 increase of $98MM and Q4 2020 increase of $40MM in Jumbo Mortgage pool purchases
$800MM in outstanding at close of Q1-2022 related to VRB Acquisitions ($795MM at acquisition) excluded from the chart
19
Investor Presentation | Fourth Quarter 2023
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