Investor Presentaiton

South Dakota banks have strong earnings and capital, but also higher agricultural and wholesale funding exposures. Ag Loans to FDIC Pretax Tier 1 Total Risk- Wholesale Return on Net Interest Leverage Loans to Based Funds to Assets Margin Capital Assets Capital Total Assets South Dakota 1.45 3.89 10.96 72.7 265.8 16.81 U.S. 1.18 3.69 10.51 68.8 27.4 14.27 SD Ranking 5 15 7 14 3 10 Source: FDIC, 4Q2017. Notes: Ratios are median values for South Dakota and U.S. South Dakota ranking is based on states ordered highest to lowest (descending order).

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