#1Northeast BANK FY23 Q4 Investor Call July 25, 2023#2Forward-Looking Statement Northeast BANK Statements in this presentation that are not historical facts are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Although the Bank believes that these forward-looking statements are based on reasonable estimates and assumptions, they are not guarantees of future performance and are subject to known and unknown risks, uncertainties, and other factors. You should not place undue reliance on our forward-looking statements. You should exercise caution in interpreting and relying on forward-looking statements because they are subject to significant risks, uncertainties and other factors which are, in some cases, beyond the Bank's control. The Bank's actual results could differ materially from those projected in the forward-looking statements as a result of, among other factors, changes in general business and economic conditions on a national basis and in the local markets in which the Bank operates, including changes which adversely affect borrowers' ability to service and repay loans; changes in customer behavior due to political, business and economic conditions, including inflation and concerns about liquidity; turbulence in the capital and debt markets; reductions in net interest income resulting from interest rate volatility as well as changes in the balances and mix of loans and deposits; changes in interest rates and real estate values; changes in loan collectability and increases in defaults and charge-off rates; decreases in the value of securities and other assets, adequacy of loan loss reserves, or deposit levels necessitating increased borrowing to fund loans and investments; changing government regulation; competitive pressures from other financial institutions; changes in legislation or regulation and accounting principles, policies and guidelines; cybersecurity incidents, fraud, natural disasters, and future pandemics; the risk that the Bank may not be successful in the implementation of its business strategy; the risk that intangibles recorded in the Bank's financial statements will become impaired; changes in assumptions used in making such forward-looking statements; and the other risks and uncertainties detailed in the Bank's Annual Report on Form 10-K and updated by our Quarterly Reports on Form 10-Q and other filings submitted to the FDIC. These statements speak only as of the date of this release and the Bank does not undertake any obligation to update or revise any of these forward-looking statements to reflect events or circumstances occurring after the date of this communication or to reflect the occurrence of unanticipated events. 2#3Financial Highlights Total Loan Volume National Lending: Purchased Loans Originated Loans (2) Weighted Average Rate as of 6/30/2023 (3) Net Interest Margin Purchased Loan Return (4) Q4 FY23 $138.5 million Northeast BANK YTD FY23 $1.72 billion $48.8 million invested on $54.3 million of UPB (1) (89.9% purchase price) $84.2 million $1.14 billion invested on $1.31 billion of UPB (1) (87.0% purchase price) 9.08% 4.91% 8.12% Net Proceeds from Share Issuances (5) None Net Income $12.1 million $1.61 EPS (Diluted) Return on Equity Return on Assets Tangible Book Value per Share (1) Unpaid principal balance. 16.67% 1.70% $38.69 $557.0 million 9.27% 5.24% 7.93% 193,611 at $41.29 $44.2 million (2) National Lending originations during Q4 were 100% variable rate, of which 34% were Prime-rate based and 66% were SOFR-based. National Lending originations for YTD FY23 were 98% variable rate, of which 63% were Prime-rate based. (3) Q4 and YTD FY23 National Lending originations had a weighted average floor rate of 7.88% and 7.16%, respectively. (4) Purchased loan return for Q4 and YTD FY23 included $4.8 million and $12.8 million of transactional income, respectively. (5) During Q2 FY23, the Bank approved an At-the-Market Offering for up to $50.0 million of voting common stock. $5.96 16.48% 1.88% $38.69 3#4Loan Portfolio Summary Loan Portfolio Northeast BANK # of Loans Total Balance Average Balance WA LTV Dollars in thousands National Lending Division Purchased Loans (1) Direct Originated Loans (4) Lender Finance Loans (4) 3,530 $1,480,119 $419 45%(3) 141 525,856 3,729 52% 75 461,715 6,156 45% SBA and USDA Loans (2) 383 25,547 67 77% Community Banking Division: Commercial Loans 131 9,566 73 43% Residential and Consumer Loans 369 17,795 48 46% Total 4,629 $2,520,599 $545 47% (1) Total balance of $1.48 billion is equal to unpaid principal balance of $1.67 billion, net of $187.8 million purchased loan discount. (2) Total loan balance of $25.5 million is comprised of $5.9 million of the guaranteed portion and $19.6 million of the unguaranteed portion of loans. (3) Reflects the Bank's basis against the value of the underlying commercial real estate collateral. (4) LTV is calculated as the Bank's loan amount to the value of the underlying commercial real estate collateral. All data as of June 30, 2023, unless otherwise noted. Loan balances exclude net deferred fees and costs. 4#5National Lending Portfolio Roll Forward: Trailing Three Months Millions $3,000 Northeast $84.2 $2,455.3 $91.0 -- $48.8 $29.3 $2,468.0 $2,500 $2,000 $1,500 $1,000 $500 $0 Balance at 3/31/23 Originations Originated Run- off (1) Purchases Purchased Run- Off (1) (1) Run-off includes scheduled amortization, principal pay downs and payoffs. Balance at 6/30/2023 BANK 5#6Millions National Lending Activity By Trailing 5 Quarters Northeast BANK $1,200 $1,000 $800 $600 $400 $998.5 $200 $172.9 $181.7 $174.0 $117.1 $77.5 $84.2 $36.5 $48.8 $21.5 $0 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Purchased Originated 6#7National Lending Loan Portfolio Statistics as of June 30, 2023 Investment Size (1) $15+ Million 14% $10-15 Million 10% $6-$10 Million 18% $0-$2 Million 29% Northeast Collateral State (44 States) Non Real Estate(3) 5% All Other States 13% SC 1% TX 3% $2-$6 Million 29% WA 3% NJ 5% Collateral Type Lender Finance 17% Multifamily 20% Retail(2) 16% Office 11% Industrial 10% All Other 6% Other CRE 7% Hospitality 6% Mixed Use 7% FL 5% CA 30% BANK NY 35% (1) Average investment size of $658 thousand/loan; originated average: $4.5 million/loan and purchased average: $419 thousand/loan (2) Includes traditional and non-traditional retail, such as restaurants and gas stations. (3) 49% of the 5% Non-Real Estate total represents Lender Finance loans consisting of various collateral types in various locations. 7#8Asset Quality Metrics NPAs & NPLS 2.00% 1.80% 1.80% 1.60% 1.40% 1.20% 0.99% 0.94% 1.00% 0.82% 0.80% 0.60% 0.40% 0.20% 0.00% 6/30/21 6/30/22 0.51% 0.58% 0.62% 0.55% Millions $20.0 Northeast BANK Classified Commercial Loans (1) $14.7 $15.0 $14.1 $11.9 $10.8 $10.0 $5.0 3/31/23 6/30/23 $0.0 6/30/21 ■NPAs/Assets ■NPLs/Loans Allowance for Loan Losses / Gross Loans 1.40% 1.20% 1.13% 1.00% 0.80% 0.70% 0.60% 0.40% 0.20% 0.00% 6/30/21 0.57% 0.39% 6/30/22 0.58% 0.28% 3/31/23 ■ALL/Gross Loans ■ALL/Gross Loans Adjusted (2) 0.29% 0.15% 0.10% 6/30/22 3/31/23 NCOS/Average Loans (3) 0.57% 0.05% 0.04% 6/30/23 0.00% -0.02% -0.02% -0.05% 6/30/21 6/30/22 3/31/23 6/30/23 0.00% 6/30/23 (1) (2) Classified loans includes commercial real estate and commercial and industrial loans risk rated under the Bank's internal loan rating system. Represents allowance on originated loans divided by total originated loans. (3) For periods ending 6/30, calculated as trailing twelve months of net charge-offs divided by average loans for the same period; for all other periods, calculated as current quarter's net charge-offs (annualized) divided by average loans for the same period. 00#9Nonperforming Assets Turnover - Quarter ended June 30, 2023 March 31, 2023 Balance: NPL Additions: #1 #2 Nonperforming Loans REO Total FMV of Collateral() (Dollars in Thousands) $14,522 $0 $14,522 2,296 696 2,296 1,998 696 784 Other Loans - Various 2,522 2,522 Total Additions: 5,513 5,513 NPL Resolutions: #1 #2 (1,218) (1,218) (895) (895) Other Loans - Various (2,239) (2,239) Total Resolutions: (4,352) (4,352) June 30, 2023 Balance: $15,683 $0 $15,683 (1) Fair Market Value reflects the projected net proceeds from liquidation of collateral Notes Northeast BANK Retail/commercial property in LA; $298 thousand specific reserve Two neighboring hotels in NJ 51 loans (totaling $2.5 million) placed on nonaccrual Mixed use property in TX returned to accrual Economy hotel in WY paid off 16 loans (totaling $1.5 million) returned to accrual or paid off; $725 thousand in net paydowns 16#10Allowance Allocation Loan Segment Dollars in thousands National Lending Purchased Northeast BANK Total Loan Total Reserves Balances at June 30, 2023 ALL / Total Total Reserves at June 30, Loans at June 2023 30, 2023 ALL / Total at March 31, Loans at 2023 March 31, 2023 Total Reserves at June 30, ALL/Total Loans at June 30, 2022 2022 $1,480,119 $1,406 0.09% $1,009 0.07% $348 0.07% Originated Loans: C&I (Lender Finance primarily) 473,654 1,904 0.40% 1,968 0.42% 1,473 0.42% Commercial Real Estate 469,519 3,410 0.73% 3,506 0.73% 2,495 0.65% SBA and USDA: - Guaranteed 5,941 0.00% 0.00% 0.00% - Unguaranteed 18,932 294 1.55% 315 1.67% 449 1.70% 1-4 Family Residential 71,710 281 0.39% 285 0.39% 253 0.41% Consumer 485 9 1.86% 9 1.60% 10 1.35% Total Originated Loans 1,040,241 5,898 0.57% 6,083 0.58% 4,680 0.57% Total Loans $2,520,360 $7,304 0.29% $7,092 0.28% $5,028 0.39% (1) Under purchased loan accounting, only further declines in expected cash flows subsequent to the acquisition of a loan are recognized through a specific reserve in the allowance for loan losses. Loan balances are net of deferred fees and costs. 10#11National Lending Portfolio by Collateral Type Northeast BANK Collateral Type Direct Originated Lender Finance Purchased Total National Lending Dollars in thousands Balance WA LTV (1) Balance WA LTV (1) Balance WA LTV (2) Balance WA LTV 1-4 Family $29,391 36% $35,777 38% $6,549 30% $71,717 37% Hospitality 112,584 52% 41,700 46% 34,260 47% 188,544 50% Industrial 46,894 55% 45,858 44% 211,353 40% 304,105 43% Land and 5,748 39% 23,560 40% 6,794 47% 36,103 41% Construction Mixed Use 30,934 60% 112,573 52% 132,939 60% 276,446 57% Multi Family 68,694 57% 81,575 43% 528,451 46% 678,720 47% Office 107,176 49% 40,435 43% 180,994 45% 328,605 46% Retail 116,408 55% 32,225 49% 356,950 41% 505,582 44% Small Balance 8,028 24% 48,013 38% 21,828 77% 77,869 48% Commercial Total $525,856 52% $461,715 45% $1,480,119 45% $2,467,691 47% (1) LTV is calculated as the Bank's loan amount to the value of the underlying commercial real estate collateral. (2) Reflects the Bank's basis against the value of the underlying commercial real estate collateral. All data as of June 30, 2023, unless otherwise noted. Loan balances exclude net deferred fees and costs. 11#12Office Loans Summary Loan Collateral by Floors # of floors 1-5 Floors 1 6-9 Floors 10+ Floors Total # of Loans Net Investment Basis 247 4 6 257 1 - Loans with a net investment basis < $1 million are included in this bucket Dollars in thousands $262,355 22,962 43,288 $328,605 Northeast BANK Loans > $1 million Maturing Over the Next 3 Years Maturity Year # of Loans NIB Weighted Average Coupon Dollars in thousands FY 2024 15 $78,387 8.75% FY 2025 14 72,888 7.95% FY 2026 5 28,579 8.56% Total 34 $179,854 8.40% All data as of June 30, 2023, unless otherwise noted. Loan balances exclude net deferred fees and costs. 12#13Office Loans Summary Office Loans with Net Investment Basis > $3 million Net Investment Basis Northeast BANK Debt/Square City $20,000,000 14,461,506 13,509,259 12,500,000 11,000,000 10,000,000 9,473,61 6 8,800,000 New York West Windsor Stamford Los Angeles State NY NJ CT CA New York NY Miramar FL New York NY New York NY 8,137,807 King of Prussia PA 7,669,011 Brooklyn NY 7,450,000 Brooklyn NY 7,280,000 7,076,331 6,294,739 Laguna Hills CA Washington DC Orange CA 6,100,000 Los Angeles CA 5,483,238 New York NY 5,000,000 New York NY 4,998,462 4,877,230 New York White Plains NY NY 4,553,650 San Fernando CA 4,241,747 4,200,000 3,720,000 3,437,806 Washington Glen Head Venice Burr Ridge DC NY 1 CA IL 3,397,492 3,269,825 Danville Various 3,106,1 02 3,064,084 Newport Beach Covina CA Various CA 1 CA 3,000,000 3,000,000 Long Island City West Harrison NY NY 231-55643 +33002 - 400 + 33 - - - 1 -NMMO # of Floors GBA (sq ft) 252,01 4 Foot # of Tenants Occupancy % $79 96 84% 216,036 67 1 100% 100,144 135 1 100% 58,850 212 5 29% 7 42,450 259 ○ 0% *k 75,01 3 133 16 174,601 54 3 81% 12% * 27,289 322 о 0% 98,843 82 17 90% 4 124,200 62 43 90% 13,500 552 2 100% 48,777 149 12 51% 8 42,503 1 66 16 75% 88,000 72 44 90% 9,794 623 1 100% 1 8,500 296 6 62% 10 57,382 87 2 100% 10 20,358 246 10 100% 4 22,028 221 10 100% 56,71 0 80 10 90% 13,206 321 1 100% 26,981 23,372 156 2 29% 159 18 100% 53,844 64 18 90% 4 62,870 54 12 94% 38,367 85 11 100% 2 33,893 92 14 86% 3 40,268 76 18 96% 3 21,875 137 ○ 0% 6 30,261 99 1 100% Total of 30 loans for $209 million of net investment basis, representing 63% of total office loans. * Active or planned redevelopment All data as of June 30, 2023, unless otherwise noted. Loan balances exclude net deferred fees and costs. 13#14National Lending Portfolio Average LTV By Bucket - Weighted WA LTV Northeast BANK National Lending Portfolio <40% 40-49% 50-59% 60-69% 70-79% >=80% Total Dollars in thousands Direct Originated Loans (1) 87,208 123,435 165,193 93,045 47,952 9,024 525,856 Lender Finance Loans (1) 148,411 Purchased Loans (2) $599,594 139,844 $265,476 106,701 36,860 $198,873 $203,220 29,900 $181,290 461,715 $31,666 $1,480,119 Total $835,213 $528,755 $470,767 $333,124 $259,142 $40,690 $2,467,691 % of Total 34% 21% 19% 13% 11% 2% 100% (1) LTV is calculated as the Bank's loan amount to the value of the underlying commercial real estate collateral. (2) Reflects the Bank's basis against the value of the underlying commercial real estate collateral. All data as of June 30, 2023, unless otherwise noted. Loan balances exclude net deferred fees and costs. 14#15National Lending Purchased Portfolio - Further Analysis Northeast BANK National Lending Purchased Portfolio Dollars in thousands Current Basis # of Loans % of Portfolio Original Principal Balance Current Principal Balance Origination Year Pre-2013 2013-2018 2019 and later Total $268,414 $734,501 $477,204 $1,480,119 867 2127 537 3,531 18% 50% 32% 100% $623,205 $1,213,237 $643,664 $2,480,106 292,547 813,218 562,183 1,667,948 % Principal Paid Down Since Origination 53% 33% 13% 33% Current Basis / Original Principal 43% 61% 74% 60% All data as of June 30, 2023, unless otherwise noted. Loan balances exclude net deferred fees and costs. 15#16National Lending Originated Portfolio Interest Reserve Analysis Dollars in thousands Total Lender Finance Loans Lender Finance Northeast BANK Balance % with Interest Reserves Interest Reserve WA Duration WA Advance Rate(¹) WA LTV(2) $461,715 Lender Finance Loans with Interest Reserves 427,584 93% 5.1 Months Dollars in thousands Total Direct Originated Loans Direct Originated Loans 66% 45% Balance % with Interest Interest Reserve Reserves WA Duration WA LTV(2) $525,856 Direct Originated Loans with Interest Reserves 457,806 87% 5.1 Months 52% (1) Weighted Average Advance Rate utilizes original balance and real estate value at the time of origination (2) Weighted Average LTV is calculated as the Bank's loan amount to the value of the underlying commercial real estate collateral All data as of June 30, 2023, unless otherwise noted. Loan balances exclude net deferred fees and costs. 16#17Quarterly Cost of Deposits 4.0% 3.5% 3.0% 2.5% 2.28% 2.0% 1.5% 1.0% 0.87% 0.5% 0.36% 0.0% Q4 FY22 Q1 FY23 Average Cost of Deposits by Quarter Q2 FY23 3.23% Q3 FY23 Cost of Deposits as of Quarter-end 3.64% 3.59% Q4 FY23 Northeast BANK 17#18Deposit Portfolio Changes By Channels June 30, 2023 June 30, 2022 Net Change Northeast BANK Dollars in thousands Balance WAR Mix Balance WAR Mix Balance % WAR Community Banking Banking Centers (1) $650,299 2.21% 34% $584,302 0.42% 45% $65,997 11% 1.79% Government Banking. 345,395 4.74% 18% 201,004 0.56% 16% 144,391 72% 4.18% Corporate/Institutional 114,361 5.10% 6% 141,759 1.60% 11% (27,398) -19% 3.50% National Lending 58,520 1.19% 3% 53,110 0.47% 4% 5,410 10% 0.72% ableBanking 29,602 0.37% 2% 85,043 0.42% 7% (55,441) -65% -0.05% Bulletin Board 40,420 4.42% 2% 8,855 1.86% 1% 31,565 356% 2.56% Brokered Deposits 654,379 4.83% 34% 0.00% 0% 654,379 100% 4.83% Holdback Accounts (2) 44,231 0.09% 2% 213,620 0.00% 17% (169,389) -79% 0.08% Grand Total $1,937,207 3.64% $1,287,693 0.51% $649,514 50% 3.13% By Products June 30, 2023 June 30, 2022 Net Change Dollars in thousands Balance WAR Mix Balance WAR Mix Balance % WAR Checking $617,877 3.31% 33% $560,612 0.60% 52% $57,265 10% 2.71% Savings 77,819 1.48% 4% 140,037 0.64% 13% (62,217) -44% 0.85% Money Market 277,861 3.10% 15% 246,094 0.33% 23% 31,767 13% 2.76% Certificate of Deposit 919,418 4.41% 49% 127,330 1.17% 12% 792,088 622% 3.24% Holdback Accounts (2) 44,231 0.09% 2% 213,620 0.00% 17% (169,388) -79% 0.09% Grand Total $1,937,207 3.64% $1,287,693 0.51% 649,514 50% 3.13% (1) Includes Business Banking and NEB Online. (2) Includes PPP Collection Account balance of $2.8 million and $183.8 million at June 30, 2023 and 2022, respectively. 18#19Deposit Portfolio Deposit Portfolio and Interest Analysis $2,500 $2,000 $1,500 $1,000 $500 Trailing Twelve-Month Deposit Portfolio and Annualized Interest Expense (Includes Brokered Deposits) $ Millions $0 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 I Holdback Accounts Deposit Portfolio $236 $94 $51 $57 $83 $46 $77 $55 $64 $49 $55 $45 $1,058 $1,214 $1,273 $1,588 $1,592 $2,174 $2,100 $2,071 $2,056 $1,997 $1,990 $1,886 Interest Expense $8.5 $14.9 $20.8 $33.6 $38.1 $67.5 $67.3 $69.2 $71.3 $71.8 $72.7 $70.4 Northeast BANK $80.0 $70.0 $60.0 $50.0 $40.0 $30.0 $20.0 $10.0 19 Interest Expense#20Millions Deposit Mix By Trailing 5 Quarter Ends Northeast BANK $2,600 Total $1,288 Total $1,328 Total $2,235 Total $2,129 Total $1,937 $2,400 $2,200 $2,000 $1,078 $1,011 $919 $1,800 $1,600 $1,400 $1,200 $238 $127 $272 $248 $1,000 $246 $249 $278 $800 $585 $725 $676 $694 $600 $400 $596 $200 $329 $168 $184 $0 Q4 FY22 Q1 FY23 Q2 FY23 $175 Q3 FY23 $144 Q4 FY23 ■Demand ■Savings and Interest Checking ■Money Market ■Time 20#21Millions Revenue and Noninterest Expense for Trailing 5 Quarters Northeast BANK $35 $30 $25 $27.8 $25.3 $20 $35.3 $33.4 $30.1 $16.4 $15 $13.7 $13.8 $12.9 $12.6 $10 $5 $0 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Total Revenue(1) ■Noninterest Expense (1) Total Revenue includes net interest income before loan loss provision (credit) and noninterest income. 21#22Loan Performance & Average Loan Balance For Trailing 5 Quarters Loan Performance Northeast Average Loan Balance for Trailing 5 Quarters BANK 10.5% 9.25% 9.0% $3,000 9.52% 9.22% Total $1,263 Total Total $1,368 $1,723 $2,502 $2,509 Total Total 8.69% $2,500 $1,039 $1,048 7.82% 8.48% 7.5% 8.12% 6.91% 7.62% $2,000 7.10% 6.0% 5.82% 6.34% 5.96% Millions $958 $1,500 4.5% 3.0% 1.5% 4.91% 4.75% $880 $789 $1,000 $500 $765 $474 $488 $1,461 $1,463 0.0% $0 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 NIM Originated Loan Yield Purchased Loan Return(1) Purchased Originated (1) Purchased loan return includes purchased loan yield, as well as gain on loan sales, gain on sale of real estate owned and other noninterest income. 22#23Millions Purchased Loan Investment Basis and Discount By Trailing 5 Quarters Northeast BANK Total UPB $512.0 Total UPB $569.8 Total UPB $1,673.2 Total UPB $1,650.1 Total UPB $1,667.9 $1,800 $1,600 $23.3 $166.3 $23.0 $166.5 $22.9 $164.9 $1,400 $1,200 $1,000 $800 $1,483.6 $1,460.6 $1,480.1 $600 $4.5 $400 $3.7 $30.6 $34.3 $477.7 $530.4 $200 $0 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Net Investment Accretable Discount Non-accretable Discount 23#24- National Lending Portfolio — Q4 FY23 Return Summary(1) Northeast BANK Purchased Originated Total Regularly Scheduled Interest 6.81% 9.48% 7.89% & Accretion Accelerated Accretion, Interest, & Fees Recognized on Loan Payoffs 1.31% 0.10% 0.82% Total 8.12% 9.58% 8.71% (1) The total return on purchased loans represents scheduled accretion, accelerated accretion, gains on asset sales and gains on real estate owned recorded during the period divided by the average invested balance, which includes loans held for sale, on an annualized basis. The total return does not include the effect of purchased loan charge-offs or recoveries during the period. 24#25Millions Loan Mix As of Trailing 5 Quarter Ends Northeast BANK $2,800 $2,600 Total $1,305 Total $1,464 Total $2,505 Total $2,510 Total $2,520 $2,400 $2,200 $2,000 $1,800 $1,484 $1,461 $1,480 $1,600 $1,400 $1,200 $530 $478 $1,000 $800 $600 $964 $995 $988 $873 $759 $400 $200 $0 $68 Q4 FY22 $61 Q1 FY23 Community Bank & SBA ■National Lending Originated $57 Q2 FY23 $54 Q3 FY23 $52 Q4 FY23 National Lending Purchased (1) 97% of the National Lending Originated portfolio had a floor, with a weighted average floor of 6.84% as of June 30, 2023. 25#26Thousands Net Income for Trailing 5 Quarters $14,000 $12,000 $10,296 $10,000 $8,000 $6,000 $4,000 $2,000 $8,287 Northeast BANK $12,517 $12,086 $11,298 $0 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 26#27Thousands Key Components of Income For Trailing 5 Quarters Net Interest Income Before Loan Loss Provision Noninterest Income Northeast $37,500 Total $4,144 Total $1,659 Total $1,301 Total $1,188 Total $1,112 $35,000 Total Total Total Total $23,619 $23,649 $28,752 $32,239 Total $34,155 $4,500 $32,500 $4,763 $4,000 $30,000 $3,195 $3,500 $27,500 $3,744 $25,000 $29,392 $29,044 $3,000 $1,058 $22,500 $20,000 $2,556 $17,500 $25,008 $22,591 $18,396 Thousands $2,500 $3,686 $2,000 $15,000 $12,500 $1,500 $10,000 $1,000 $1,382 $618 $327 $207 $7,500 $5,000 $500 $861 $905 $683 $2,500 $458 $277 $0 $0 Q3 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Base Net Interest Income Transactional Interest Income Other Non Interest Income Correspondent Fee Income 27 BANK