Investor Presentaiton

Credit Losses and ACL Ratios Gross Charge-offs and Recoveries $2.6 $2.3 $2.1 $2.2 $0.1 ($1.1) ($1.0) ($0.9) ($2.7) ($3.3) Q1-19 Q2-19 Q3-19 Q4-19 Q1-20 Gross Charge-Offs Recoveries Q1 2020 Highlights • Net recoveries of $3.2MM, (6bps), compared to net charge-offs of $1.2MM, 3bps, in Q1-19 • Provision expense increased to $51.2MM, driven by the adoption of CECL and balance sheet growth in Q1 ACL/Funded Loans increased 30bps to 1.14% in Q1 as a result of CECL adoption and increased provision expense related to Q1-20 loan growth Provision for Credit Losses¹ ACL Adequacy Ratios $5.6 374% 306% 327% 346% 316% 48.3% 44.5% 41.1% 53.9% 77.8% $45.2 1.14% 0.91% 0.88% 0.86% 0.84% $1.0 $3.5 $7.0 $4.0 $4.0 ($0.2) Q1-19 Q2-19 Q3-19 Q4-19 Q1-20 Q1-19 Q2-19 Q3-19 Q4-19 Q1-20 For Loan Losses ACL/Funded Loans ACL/Nonaccrual Loans ■For Unfunded Commitments² Dollars in millions WA 1) Does not include $0.3 million provision for HTM Investment Securities 2) Included as a component of provision for credit losses in the income statement ACL/Adversely Graded Loans 26 26

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