USCB Financial Holdings Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Cash & Equivalents	38.49	41.06	54.17	46.23	47.73	35.74
Investment Securities	221.24	106.79	111.61	123.57	100.04	33.99
Trading Asset Securities	7.71	4.89	5.01	1.43	0.5	-
Mortgage-Backed Securities	205.29	297.52	307.23	400.63	234.28	148.27
Total Investments	434.24	409.2	423.85	525.63	334.82	182.26
Gross Loans	1,931	1,781	1,507	1,192	1,041	1,002
Allowance for Loan Losses	-23.07	-21.08	-17.49	-15.06	-15.09	-12
Other Adjustments to Gross Loans	-	-	-	-1.58	-2.51	-0.41
Net Loans	1,908	1,760	1,490	1,175	1,023	989.94
Property, Plant & Equipment	13.85	16.26	19.66	19.46	20.86	24.61
Accrued Interest Receivable	10.77	10.69	7.55	5.98	5.55	3.55
Long-Term Deferred Tax Assets	29.54	37.28	42.36	34.93	39.16	42.66
Other Long-Term Assets	61.54	54.71	45.52	44.59	27.49	27.75
Total Assets	2,504	2,339	2,086	1,854	1,502	1,312
Interest Bearing Deposits	1,489	1,267	1,118	865.55	726.8	604.33
Institutional Deposits	-	117.2	82	119.4	104.14	107.09
Non-Interest Bearing Deposits	637.31	552.76	629.78	605.43	442.47	306.2
Total Deposits	2,127	1,937	1,829	1,590	1,273	1,018
Short-Term Borrowings	7.7	7.99	5.01	1.43	0.5	-
Current Portion of Long-Term Debt	16	106	25	-	-	70
Current Portion of Leases	-	3.24	-	-	-	-
Accrued Interest Payable	1.8	1.37	0.23	0.1	0.16	0.45
Federal Home Loan Bank Debt, Long-Term	102	77	21	36	36	41
Long-Term Leases	9.19	8.19	14.4	14.19	14.51	17.34
Other Long-Term Liabilities	26.73	6.2	8.49	7.95	6.17	5.58
Total Liabilities	2,290	2,147	1,903	1,650	1,331	1,152
Preferred Stock, Redeemable	-	-	-	-	32.08	32.08
Common Stock	19.62	19.58	20	19.99	10.01	10.01
Additional Paid-In Capital	306.1	305.21	311.28	310.67	177.76	177.56
Retained Earnings	-73.83	-88.55	-104.1	-124.25	-53.62	-61.32
Comprehensive Income & Other	-37.98	-44.27	-44.75	-2.52	4.78	1.96
Total Common Equity	213.92	191.97	182.43	203.9	138.92	128.21
Shareholders' Equity	213.92	191.97	182.43	203.9	171	160.28
Total Liabilities & Equity	2,504	2,339	2,086	1,854	1,502	1,312
Total Debt	134.89	202.41	65.41	51.62	51.01	128.34
Net Cash (Debt)	-88.69	-156.46	-6.23	-3.96	-2.78	-92.6
Net Cash Per Share	-4.50	-7.95	-0.31	-0.38	-0.28	-
Filing Date Shares Outstanding	19.84	19.65	20	19.99	10.01	-
Total Common Shares Outstanding	19.62	19.58	20	19.99	10.01	-
Book Value Per Share	10.90	9.81	9.12	10.20	13.88	-
Tangible Book Value	213.92	191.97	182.43	203.9	138.92	128.21
Tangible Book Value Per Share	10.90	9.81	9.12	10.20	13.88	-

Source: S&P Capital IQ. Banks template. Financial Sources.