Investor Presentaiton

Allowance for Credit Losses by Product Type $ Thousands Non-owner Occupied CRE Multifamily [HomeStreet] March 31, 2022 December 31, 2021 Reserve Amount Reserve Reserve Rate Reserve Rate Amount $2,294 0.33% $7,509 1.06% 8,427 0.31% 5,854 0.24% Construction/Land Development Multifamily Construction 456 1.24% 507 1.34% Commercial RE Construction 184 1.02% 150 1.06% Single Family Construction 7,735 2.42% 6,411 2.16% Single Family Construction to Permanent 990 0.64% 1,055 0.71% Total CRE Loans 20,086 0.51% 21,486 0.59% Owner Occupied CRE 3,536 0.76% 5,006 1.10% Commercial Business 6,910 1.83% 12,273 3.39% Total C&I Single Family Home Equity and Other 10,446 1.24% 17,279 2.11% 3,762 0.58% 4,394 0.68% 3,650 1.24% 3,964 1.31% Total Consumer Loans Total Allowance for Credit Losses 7,412 0.78% 8,358 0.88% $37,944 0.66% $47,123 0.88% The reserve rate is calculated excluding balances related to loans that are insured by the FHA or guaranteed by the VA or SBA. p. 26

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