Investor Presentation | Fourth Quarter 2023

Allowance for Credit Losses Drivers of Change under CECL $122,000 $120,000 $118,000 $118000 $115,812 $1,828 ($330) $3,101 $1,110 $1.1/,000 $112.000 1.73% of Total Loans Loan portfolio growth of $86 million in Q4 Growth driven by CRE NOO, Ag production and Construction segments Gross charge-offs $0.749 million Gross recoveries $0.419 million Driven by specific reserve increase $1.528MM, majority in Ag production Excludes gross charge-offs Primarily driven by econometric factor BBB yield Scaled to reflect $110MM $121,522 1.79% of Total Loans $110,000 ACL 9/30/2023 Portfolio Growth Charge Offs Criticized & Classified Reserve Rates ACL 12/31/2023 & Recoveries 26 6 Investor Presentation | Fourth Quarter 2023 trico bancshares

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