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Investor Presentaiton

32 32 Net Interest Income (NII) and Margin (NIM) 1Q22 to 1Q23 Reported Net Interest Income (NII) & NIM Walk NII $ in millions, NIM change in bps, all full taxable equivalent (FTE) Int Income (FTE) Net Int Income (FTE) ⚫NIM (FTE) NII NIM $103.4 $103.3 1Q22 $68.2 3.39% $96.8 $99.3 $87.4 Market rate changes - earning assets 19.0 61 $94.5 $93.7 Loan balances / mix 15.3 49 $85.4 $69.5 4.34% $68.2 4.21% 4.02% Loan deferred fees 3.67% 3.39% 1Q22 2Q22 3Q22 4Q22 1Q23 1Q23 Securities portfolio balances / mix 0.8 2 (1.0) (3) Interest-bearing cash volume (0.3) (1) Borrowings (3.8) (12) Deposit rate changes (4.5) (14) Day Count (0.0) $93.7 4.21% Investor Presentation | First Quarter 2023 trico bancshares

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