United Bank Earnings and Mortgage Banking Summary

RECONCILIATION OF NON-GAAP ITEMS (dollars in thousands) (1) Return on Average Tangible Equity (A) Net Income (GAAP) 2018 2019 2020 2021 2022 $256,342 $260,099 $289,023 $367,738 $379,627 Average Total Shareholders' Equity (GAAP) $3,268,944 $3,336,075 $3,956,969 $4,430,688 $4,601,440 Less: Average Total Intangibles (1,519,175) (1,511,501) (1,716,738) (1,837,609) (1,910,377) (C) Average Tangible Equity (non-GAAP) $1,749,769 $1,824,574 $2,240,231 $2,593,079 $2,691,063 Formula: Net Income/Average Tangible Equity Return on Average Tangible Equity (non-GAAP) 14.65% 14.26% 12.90% 14.18% 14.11% 20 20

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