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Investor Presentaiton

Allowance for Credit Losses Drivers of Change under CECL Scaled to reflect $90MM 26 $105,680 ($450) ($1,588) 1.64% Loan decline of $28 million Q1 of Total Loans $639 $4,126 $108,407 Gross charge-offs $1.758 million Gross recoveries $0.170 million Reduction in Criticized & Classified loans of $9.0 million Excludes gross charge-offs Continued low loss experience offset by increases in factors for Unemployment Outlook and US Policy Uncertainty 1.69% of Total Loans ACL 12/31/2022 Portfolio Growth Charge Offs Criticized & Classified Reserve Rates ACL 3/31/2023 & Recoveries Investor Presentation | First Quarter 2023 trico bancshares

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