Investor Presentaiton

[HomeStreet Non-GAAP Financial Measures (continued) $ Thousands, Except Per Share Data Quarter Ended Mar. 31, 2022 Dec. 31, 2021 Sep. 30, 2021 June 30, 2021 Mar. 31, 2021 Return on Average Tangible Equity Average Shareholders' Equity $698,598 $726,014 $726,823 $718,838 $731,719 Less: Average Goodwill and Other (31,624) (31,901) (32,195) (32,487) (32,777) Intangibles Average Tangible Equity $669,974 $694,113 $694,628 $686,351 $698,942 Net Income $19,951 $29,432 $27,170 $29,157 $29,663 Amortization of Core Deposit 191 229 229 229 236 Intangibles (net of tax) Tangible Income Applicable to $20,142 $29,661 $27,399 $29,386 $29,899 Shareholders Ratio 12.2% 17.0% 15.6% 17.2% 17.3% Return on Average Assets Average Assets $7,363,589 $7,356,957 $7,264,933 $7,342,275 $7,310,408 Net Income $19,951 Ratio 1.10% $29,432 1.59% $27,170 1.48% $29,157 1.59% $29,663 1.65% Effective Tax Rate Used in 22.0% 22.0% 22.0% 22.0% 19.3% Computations Above p. 35

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