Investor Presentaiton

Adversely Graded Loans and Non-Performing Assets Adversely Graded Loans and OREO $358 $399 $439 Q1 2020 Highlights .. Total Adversely Graded Loans plus OREO of $351MM (1.20% to Total Assets) increased $10MM in Q1 • NPAs of $97MM (33bps to Total Assets) increased $27MM in Q1 primarily due to HFS loan moving to non- accrual status $351 $341 $234 $198 $134 $104 $180 Asset Quality Ratios Adversely Graded Loans $162 $131 $139 $91 $150 1.67% 1.50% 1.58% 1.27% 1.20% $86 0.26% 0.27% 0.25% 0.26% 0.33% $44 $52 $50 $56 NPAs $18 $18 $16 $14 $11 Q1-19 Q2-19 Q3-19 Q4-19 Q1-20 Q1-19 Q2-19 Q3-19 Q4-19 Q1-20 ■ OREO ■Classified Accruing Loans Dollars in millions WA 1) Includes HFS loans ■Non-Performing Loans¹ ■Special Mention Loans Adversely Graded Loans and OREO to Total Assets NPAs to Total Assets 25

View entire presentation