Fourth Quarter Highlights

Earnings Per Share $6.00 10 Year Core EPS CAGR:(¹) 6.6% 5 Year Core EPS CAGR:(2) 8.7% $5.00 $4.32 $4.09 $4.00 $3.65 $3.94 $3.65 $3.60 $3.43 $5.73 $5.68 $5.60 $5.66 $5.26 $4.86 $4.61 $4.52 $4.46 $4.21 $3.92 $3.73 $3.23 $2.98 $3.07 $3.00 $2.00 $1.51 $1.38 $1.50 $1.33 $1.00 $0.00 2012 2013 (3) 2014 2015 2016 2017 2018 2019 2020 2021 2022 4Q21 4Q22 Note: Net income includes the following ($ 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 EPS Core EPS (Excluding Purchase Accounting Adjustments) 80 Source: Company Documents Represents the Compound Annual Growth Rate for EPS (excluding purchase accounting adjustments) from 12/31/2012 - 12/31/2022 Represents the Compound Annual Growth Rate for EPS (excluding purchase accounting adjustments) from 12/31/2017 - 12/31/2022 (1) (2) (3) Includes NOL tax benefit of $20.145 million related to the CARES Act PB LISTED NYSE

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