Investor Presentaiton

5 Asset Quality Stable Relative to Overall Balance Sheet Growth While loans have historically seen double digit growth, adversely graded loans and non- performance assets have been consistent Non-Performing Assets and Adversely Graded Assets as a Percentage of Total Assets $353 2.5% Over last 5+ years, less than 1% of Special Mention loans have migrated to loss $343 2.1% $355 1.9% $316 $341 1.4% $351 1.3% 1.2% 0.4% 0.5% 0.3% 0.0% 2015 2016 2017 2018 2019 Q1 2020 ■OREO ■NPLs ■Classified Accruing Loans ■Special Mention Loans WA Dollars in millions Accruing TDRs total $22.1mm as of March 31, 2020 13

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