United Bank Earnings and Mortgage Banking Summary

NET CHARGEOFFS/AVERAGE LOANS 0.77% 1.58% 1.45% 0.93% 0.64% 0.67% 0.29% 0.30% 0.31% 0.27% 0.35% 0.27% 0.27% 0.24% 0.22% 0.21% 0.24% 0.29% 0.29% 0.11% 0.24% 0.25% 0.28% 0.09% 0.20% 0.13% 0.16% 0.16% 0.15% 0.14% 0.05% 0.00% FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 -UBSI FY15 FY16 FY17 -Peer FY18 FY19 FY20 FY21 FY22 Source: Federal Reserve BHCPR. 12

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