CENTURY BANK FORWARD-LOOKING STATEMENTS This presentation may contain statements that are not historical in nature and are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are those that are not historical facts. The words “may,” “will,” “anticipate,” “could,” “ should,” “would,” “believe,” “contemplate,” “expect,” “aim,” “plan,” “estimate,” “continue,” and “intend,”, the negative of these terms, as well as other similar words and expressions of the future, are intended to identify forward-looking statements. These forward -looking statements include, but are not limited to, statements related to our projected growth, anticipated future financial performance, and management’s long-term performance goals, as well as statements relating to the anticipated effects on our results of operations and financial condition from expected or potential developments or events, or business and growth strategies, including anticipated internal growth and balance sheet restructuring. These forward-looking statements involve significant risks and uncertainties that could cause our actual results to differ materially from those anticipated in such statements. Potential risks and uncertainties include, but are not limited to: the strength of the United States economy in general and the strength of the local economies in which we conduct operations; our ability to successfully manage interest rate risk, credit risk, liquidity risk, and other risks inherent to our industry; the accuracy of our financial statement estimates and assumptions, including the estimates used for our credit loss reserve and deferred tax asset valuation allowance; the efficiency and effectiveness of our internal control procedures and processes; our ability to comply with the extensive laws and regulations to which
we are subject, including the laws for each jurisdiction where we operate;
adverse changes or conditions in the capital and financial markets,
including actual or potential stresses in the banking industry;
deposit attrition and the level of our uninsured deposits; legislative
or regulatory changes and changes in accounting principles,
policies, practices or guidelines, including the on-going effects
of the implementation of the Current Expected Credit Losses (“CECL”)
standard; the lack of a significantly diversified loan portfolio and the concentration
in the South Florida market, including the risks of geographic,
depositor, and industry concentrations, including our concentration
in loans secured by real estate, in particular, commercial real
estate; the effects of climate change; the concentration of ownership of
our common stock; fluctuations in the price of our common stock;
our ability to fund or access the capital markets at attractive
rates and terms and manage our growth, both organic growth as
well as growth through other means, such as future acquisitions;
inflation, interest rate, unemployment rate, and market and monetary
fluctuations; impacts of international hostilities and geopolitical
events; increased competition and its effect on the pricing of our products
and services as well as our net interest rate spread and net
interest margin; the loss of key employees; the effectiveness of
our risk management strategies, including operational risks, including,
but not limited to, client, employee, or third-party fraud and
security breaches; and other risks described in this presentation and
other filings we make with the Securities and Exchange Commission
(“SEC”). All forward-looking statements are necessarily
only estimates of future results, and there can be no assurance that actual
results will not differ materially from expectations. Therefore,
you are cautioned not to place undue reliance on any forward-looking
statements. Further, forward-looking statements included in this presentation are made only as of the date hereof, and we undertake no obligation to update or revise any forward-looking statements to reflect events or circumstances occurring after the date on which the statements are made or to reflect the occurrence of unanticipated events, unless required to do so under the federal securities laws. You should also review the risk factors described in the reports USCB Financial Holdings, Inc. filed or will file with the SEC. Non-GAAP Financial Measures This presentation includes financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”). This financial information includes certain operating performance measures. Management has included these non-GAAP financial measures because it believes these measures may provide useful supplemental information for evaluating the Company’s expectations and underlying performance trends. Further, management uses these measures in managing and evaluating the Company’s business and intends to refer to them in discussions about our operations and performance. Operating performance measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non-GAAP measures that may be presented by other companies. Reconciliations of these non-GAAP measures to the most directly compa rable GAAP measures can be found in the Non-GAAP financial measures reconciliation tables included in this presentation. All numbers included in this presentation are unaudited unless otherwise noted. 2 TABLE OF CONTENTS 1 Who We Are 2 Growth Strategy 3 Financial Review 4 Appendix 3
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