Corporate Strategy and Financial Performance

Asset Quality Nonaccrual Loans / Total Loans NPAs / Total Assets 0.95% 1.40% 0.35% 0.21% 0.17% 1.17% 1.30% 0.99% 0.60% 0.40% 2018 2019 2020 2021 2Q22 2018 2019 2020 2021 2Q22 Underwriting and Monitoring ☐ Appraisal policy requires 18-month updates for impaired or special assets Proactive, ongoing client engagement and experienced work-out teams Quarterly Criticized Asset Reviews Centralized risk rating, and monitoring of risk rating migration and delinquency trends Decreased maximum HE LTV to 80% ■ Robust annual third-party loan review 11 15

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