Fourth Quarter Highlights

Changes to Allowance for Credit Losses ($ in millions) 1.61% ACL to Total Loans (1) $282.2 Allowance for Credit Losses Allowance for Unfunded Commitments (Other Liabilities) 18 (1) $7.3 1.56% ACL to Total Loans (1) ($0.6) ($6.2) ■ Net Charge-offs ■ PCD recoveries ■ $6.2 million released related to resolved PCD loans without any charge offs during the fourth quarter ($1.1) Outstanding balances ■ Historical loss rates ■ Non-PCD specific reserves ■Net increased reserve related to changes in macro-economic conditions and qualitative economic outlook $281.6 Allowance for Credit Losses Allowance for Unfunded Commitments (Other Liabilities) $29.9 $29.9 Q3 2022 ACL Portfolio Changes Portfolio Changes Portfolio Changes Environmental Outlook Q4 2022 ACL Excludes Warehouse Purchase Program (WPP) and SBA Paycheck Protection Program (PPP) loans PB LISTED NYSE

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