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Investor Presentaiton

Current Operating Metrics Net Interest Margin (FTE) Efficiency Ratio 4.47% 4.22% 4.30% 4.21% 3.96% 3.88% 3.58% 65.4% 63.7% 59.7% 58.4% 53.2% 53.0% 50.3% 33 2017 2018 2019 2020 2021 2022 2023 2017 2018 2019 2020 2021 2022 2023 PPNR as % of Average Assets 2.18% 1.94% 1.91% 1.97% 1.83% 1.70% 1.73% ROAA 1.43% 1.43% 1.47% 1.28% 1.24% 0.89% 0.91% 2017 2018 2019 2020 2021 2022 2023 2017 2018 2019 2020 2021 2022 2023 2023 values through quarter ended 3/31/2023, annualized Investor Presentation | First Quarter 2023 trico bancshares
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