Grow & Scale - Improving Sales Effectiveness

Reconciliation for Non-GAAP Financial Measures $MM (unless indicated otherwise) Reported average total assets¹ Less: Non-earning assets Average total earning assets¹ Less: Deductions Average core earning assets¹ Reported net interest income Less: Non-core net interest income Core net interest income F23 $MM (unless indicated otherwise) 449,555 Net Income Attributable to Common Shareholders 4,035 Average Common Equity 445,520 Return on Equity 29,273 416,247 9,756 9,756 Less: Provision for credit losses 1,443 Risk adjusted net interest income on core earning assets 8,313 Risk Adjusted Margin 2.00% 1. Average balances represent the average of daily balances for the period F18 3,527 13,681 25.8% 44

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