Q4 2020 Investor Presentation

Loans - Including PPP Loans as of December 31, 2019 as of December 31, 2020 % of % of Balance Total Balance Total Classified Non- performing $ in millions Loans Loans $ ACL % Unfunded Unfunded Commitment Commitment Reserve Total Loan Portfolio Consumer Credit Card 205 1% 180 1% 4.1% Consumer Other 250 2% 211 2% 1 1 1.9% 17 Real Estate Construction 2,237 16% 1,596 12% 22 4 2.8% 669 Real Estate Commercial 6,206 43% 5,747 45% 222 24 2.3% 185 Real Estate - Single-family 2,442 17% 1,881 15% 36 31 0.5% 220 Commercial 2,495 17% 2,574 20% 92 66 1.6% 875 Agriculture 315 2% 176 1% 1 1 0.6% 84 Other 276 2% 536 4% 17 0.4% 1 Total Loan Portfolio 14,426 100% 12,901 100% 391 127 1.85% 2,051 1.1% Loan Concentration: C&D CRE 98% 293% 68% 241% Select Loan Categories Retail 1,458 10% 1,243 10% 24 Nursing/Extended Care 444 3% 445 3% 2 Healthcare 561 4% 588 5% 12 Multifamily 975 7% 764 6% 22 Hotel 981 7% 969 8% 147 Restaurant 445 3% 496 4% 2 31214- 3.8% 91 0.9% 55 0.7% 69 1.1% 73 6.2% 30 3.5% 10 Energy Loans Upstream 322 2% 198 2% 49 31 10.2% Midstream 127 1% 35 0% 17 17 14.6% Services 18 0% 14 0% 1 1 0.5% Total Energy 467 3% 247 2% 67 49 10.0% 3535 61 $ 4

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