Slide 1: Net Income
Net Income 2 g -} z A | a QI 2023 Q2 2023 Q3 2023 Q4 2023 QI 2024
Slide 2: Pre-tax income, excluding provision for credit losses (non-GAAP)
a i = z A | a Pre-tax income, excluding provision for credit losses (non-GAAP) $300 $280 $260 $240 $220 $200 $180 $160 $140 $120 $100 QI 2023 Q2 2023 Q3 2023 T Q4 2023 T Q1 2024
Slide 3: Pre-tax income excl. provision for credit losses - Q1 2024 vs Q4 2023
Pre-tax income, excluding provision for credit losses (non-GAAP) - Q1 2024 compared to Q4 2023 =_ $29.1 . $271.6 $260 an NR & o 2 Z = | z = F T T T T T T T T T Q4 2023 Net Mortgage RBAGain All Other FDIC Advertising All Other Ql 2024 Interest Banking on Sale, Non- Insurance and Non- Income Revenue n
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $462.4 $470.0 $464.2 2 g } z | a QI 2023 Q2 2023 Q3 2023 Q4 2023 QI 2024 NIM (GAAP) NIM (non-GAAP) HE Net Interest Income
Slide 5: Total Assets
Total Assets 2 < = a & a T T T T T QI 2023 Q2 2023 Q3 2023 Q4 2023 QI 2024
Slide 6: Total Loans
Total Loans 2 < = a & a T T T T T QI 2023 Q2 2023 Q3 2023 Q4 2023 QI 2024
Slide 7: Total Deposits
Total Deposits 2 < = a = a T T T T T QI 2023 Q2 2023 Q3 2023 Q4 2023 QI 2024
Slide 8: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets 0.21% e- T T T T T QI 2023 Q2 2023 Q3 2023 Q4 2023 QI 2024
Slide 9: as well as $6.6 million higher in production revenue. the Company’s held-for-sale portfolio of
as well as $6.6 million higher in production revenue. the Company’s held-for-sale portfolio of early buy-out exercised loans guaranteed by U.S. government agencies, which are held at fair value, The Company monitors the relationship of these assets and seeks to minimize the earnings impact of fair v
Slide 10: Allowance for credit losses and charge-offs
Fourth Quarter 2023 3 (67) 0 Second Quarter 2023 34 76 25 Cumulative effect adjustment from the adoption of ASU 2022-02 — — — — 741 Other adjustments (31) 62 (60) 41 4 Commercial 11,215 5,114 2,427 5,629 2,543 Home equity 74 — 227 — — Premium finance receivables - property & casualty 6,938 6,706 5,8