Fourth Quarter Highlights slide image

Fourth Quarter Highlights

Loan Portfolio Overview As of December 31, 2022 ($ in millions) Loan Portfolio by Category & Geography Consumer & Other $284 1.5% Home Equity $967 5.1% Construction $2,805 14.9% Comm. R.E. $4,986 26.5% Loans by Rate Structure Floating 29.7% C&I $2,159 11.5% Energy $429 2.3% Agriculture Fixed 42.5% ~3.1yr Avg. Life (Inc. Farm) $688 3.6% 1-4 Family $5,775 30.6% PPP Loans $6 Variable Rate 27.8% WPP 0.1% $741 3.9% Loans By Area Amount (2)(4) % of Total Bryan College Station $769 4.3% Central Oklahoma $633 3.5% Central Texas Dallas/Ft. Worth East Texas Houston $2,291 12.7% $6,397 35.4% $731 4.0% $4,172 23.1% South Texas $1,413 7.8% Tulsa $577 3.2% West Texas $1,078 6.0% Source: Company Documents (1) (2) 15 (3) (4) Data for the three months ended December 31, 2022 Excludes $38 million in loans assigned to the Corporate Group Core yield excludes purchase accounting adjustments Excludes Warehouse Purchase Program (WPP) loans Total Loans: $18.8Bn Loans HFI (Excl. WPP): $18.1Bn Yield on Total Loans: 5.02% (1) Yield on Loans HFI (Excl. WPP): 4.98%(1) Core Yield on Loans HFI (Excl. WPP): 4.96% (1)(3) PB LISTED NYSE
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