1
Exhibit 99.1
EARNINGS RELEASE
USCBフィナンシャル・ホールディングス2023年第2四半期のEPSは0.21ドル
フロリダ州マイアミ - 2023年7月27日 - USCB Financial Holdings, Inc.
の持ち株会社である。
Century Bank
(the “Bank”), reported
net income of
$4.2 million or
$0.21 per diluted
share for the
three months ended
June 30, 2023,
compared with net income of $5.3 million or $0.26 per diluted share, for the
same period in 2022.
The Company announced
on June 28, 2023 the
appointment of Luis de la
Aguilera to succeed Aida
Levitan, Ph.D. as Chairman
of the
Board of Directors
for both the
Company and the
Bank. Levitan had
served as chairman
of the Board
since 2017 and
will continue
to
“I am deeply grateful
for the privilege of
serving as Chairman of
this respected institution
for the past six years.
I extend my
heartfelt
thanks
to
the
Board
of
Directors,
our
dedicated
employees,
and
supportive
community
for
their
unwavering
commitment
and
collaboration,” said Aida Levitan, Ph.D., who will continue
as Board Director. “It is with
great confidence, that our Board of Directors
passes its leadership
as Chairman to
Luis de La
Aguilera, President and
CEO, along with
confirming Kirk
Wycoff,
Managing Partner
パトリオット・ファイナンシャル・パートナーズの "リード・インディペンデント・ディレクター"
“As President
and CEO
of USCB
Financial Holdings,
Inc., I
am honored
to assume
the additional
responsibility of
Chairman of
the
Board.
Our unwavering
focus remains
on organic
and sustainable
growth,
ensuring
that USCB
Financial
Holdings
Inc. continues
to
thrive in
a sound
and prudent
manner.
We
are a
leading franchise
in what
I feel
is one
of the
most attractive
banking markets
in the
United States,” said de la
Aguilera. “On behalf of the
Board and the entire USCB team,
I thank Aida Levitan for her
leadership for the
past six years.”
“Like others in the industry today,
we are navigating a challenging operational environment with an inverted yield curve,
higher deposit
cost,
and
liquidity
concerns.
Despite
these
headwinds,
we
continue
to
execute
our
plans,
steadily
growing
both
loans
and
deposits,
underscoring our
resilience and
commitment to
serve our
customers and
community.
As we
look forward
to the
third quarter,
we are
encouraged by
increased and diversified
loan demand, which
positions us well
for the second
half of 2023,”
said Luis de
la Aguilera,
会長、社長兼CEO。
Unless
otherwise
stated,
all
percentage
comparisons
in
the
bullet
points
below
are
calculated
for
the
quarter
ended
June 30,
2023
compared to the quarter ended June 30, 2022 and annualized where
appropriate.
Profitability
•
Annualized return on
average assets for the
quarter ended June 30,
2023 was 0.77%
compared to 1.08%
for the second
quarter of
•
Annualized
return on
average stockholders’
equity for
the quarter
ended June
30, 2023
was 9.13
%
compared to
11.38%
for the
•
The efficiency ratio for the quarter ended June 30, 2023 was 65.25%
compared to 55.34% for the second quarter of 2022.
•
Net interest margin for the quarter ended June 30, 2023 was 2.73
%
compared to 3.37% for the same quarter ended 2022.
•
Net
interest
income
before
provision
for
credit
losses
was
$14.2 million
for
the
quarter
ended
June 30,
2023,
a
decrease
of
2022年第2四半期比では150万ドル（9.4%）の減少となった。
Balance Sheet
•
Total assets were $2.2
billion at June 30, 2023, representing an increase of $209.8 million or
10.4% from June 30, 2022.
•
Total loans were $1.6
billion at June 30, 2023, representing an increase of $223.2 million or 16.3% from
June 30, 2022.
•
Total deposits were $1.
9
billion at June 30, 2023, representing an increase of $182.6 million or 10.5%
from June 30, 2022.
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