United Bank Earnings and Mortgage Banking Summary

NONCURRENT LOANS TO TOTAL LOANS 2.42% 4.23% 3.99% 3.37% 2.53% 1.71% 1.22% 1.22% 0.97% 1.06% 1.13% 0.97% 1.38% 0.86% 0.86% 1.24% 1.27% 1.24% 1.10% 0.62% 1.00% 1.17% 1.00% 0.50% 0.90% 0.87% 0.75% 0.71% 0.64% 0.49% 0.42% 0.24% FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 UBSI Peer Source: Federal Reserve BHCPR. 11 Noncurrent loans equal the sum of nonaccrual and 90+ days past due loans.

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