Fourth Quarter Highlights

Return on Average Assets 2.00% 1.75% 1.50% 1.44% 1.35% 1.36% 1.25% 1.00% 1.33% 1.25% 1.22% 1.42% 1.38% 1.62% 1.44% 1.47% 0 1.39% 1.37% 0.75% (2) (1) (1) 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 4Q21 4Q22 12 (1) Interim periods shown on an annualized basis (2) Includes NOL tax benefit of $20.145 million related to the CARES Act PB LISTED NYSE

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