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Investor Presentaiton

NIM and Cost of Funds 5.00% 4.50% 4.00% 3.50% 3.31% 3.14% 3.00% 2.50% 4.56% 4.43% 4.17% 3.93% 3.59% 3.56% 2.00% 1.50% 1.79% 1.62% 1.16% 1.00% 0.55% 0.50% 0.29% 0.29% 0.27% 0.30% 0.00% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23. Cost of Funds NIM IN MRQ NIM of 3.56%, compared to 3.59% for 2Q'2023 Cost of funds of 1.79%, an increase of 17 bps from the linked quarter and an increase of 149 bps from 3Q'2022 Total loan yield of 5.77% for 3Q'2023 MRQ yield on investment securities of 3.62% Net loan to deposit ratio of 85.6% as of September 30, 2023 1. 3Q'2022 net interest margin and loan yield were favorably impacted by a one-time recognition of $983,000 in loan interest and fee income collected from a nonaccrual real estate loan sold during the quarter. 2. 2Q'2022 net interest margin and loan yield were favorably impacted by a one-time recognition of $766,000 in prior period charged-off loan interest income collected on purchased credit impaired loans. 12
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