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Investor Presentaiton

$ In Thousands Asset Quality - NPAs and Past Due Loans IN 0.90% 0.80% 0.70% 0.60% 0.50% 0.40% 0.30% 0.20% 0.10% 0.00% 3Q'23 4Q'23 $8,000 $6,000 $4,000 Non-Performing Assets 1 1.00% 0.80% 0.60% 0.40% $8,000 $7,000 $6,000 $5,000 $4,000 $3,000 Past Due Loans 30-89 Days ام... 4Q'22 1Q'23 $2,000 0.20% $1,000 0.00% $0 4Q'23 1Q'22 2Q'22 3Q'22 Past due 30-89 days 2Q'23 % of total loans 3Q'23 4Q'22 1Q'23 190+ past due 2Q'23 %NPAs to total assets $2,000 $0 1Q'22 OREO 2Q'22 3Q'22 I Nonaccural loans In 4Q'23, nonperforming assets increased $457,000 to $2.5 million, nonperforming assets to total assets ratio of 0.19% In 4Q'23, loans delinquent (past due) 30-89 days were $7.6 million, or 0.84% of total loans HFI. The increase in 30-89 days past due loans was primarily due to the addition of a $5.2 million commercial loan. 1. Nonperforming assets excludes performing troubled debt restructured loans 14
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