Fourth Quarter Highlights

Net Income $600.0 10 Year Core CAGR: (1) 12.8% (2) 5 Year Core CAGR: 14.9% $500.0 $528.9 $519.3 $524.5 $518.5 $487.8 $452.4 $321.8 $332.6 $311.7 $297.4 $309.6 $286.6 $274.5 $272.2 $255.5 $250.6 $259.3 $236.2 $221.4 $185.7 $154.9 $400.0 $300.0 $200.0 $167.9 $100.0 $0.0 2012 2013 $126.8 $122.6 $137.9- $137.1 (3) 2014 2015 2016 2017 2018 2019 2020 2021 2022 4Q21 4Q22 Note: Net income includes the following ($ in thousands) Provision for Credit Losses $6,100 $17,240 $18,275 $7,560 $24,000 $14,325 $16,350 $4,300 $20,000 Loan Discount $26,413 $62,723 Accretion $95,875 $52,122 $38,970 $21,906 $13,909 $28,045 $91,341 $39,278 $7,401 $5,366 $913 Net Income Net Income (Excluding Purchase Accounting Adjustments) Source: Company Documents (1) 7 (2) (3) Represents the Compound Annual Growth Rate of net income (excluding purchase accounting adjustments) from 12/31/2012 - 12/31/2022 Represents the Compound Annual Growth Rate of net income (excluding purchase accounting adjustments) from 12/31/2017 - 12/31/2022 Includes NOL tax benefit of $20.145 million related to the CARES Act PB LISTED NYSE

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