Slide 1: Net Income
Net Income 2 g -} z A | a Q4 2023 QI 2024 Q2 2024 Q3 2024 Q4 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 T Q4 2023 T Q1 2024 T Q2 2024 T Q3 2024 T Q4 2024
Slide 3: Pre-tax income excl. provision for credit losses: Q4 2024 vs Q3 2024
Pre-tax income, excluding provision for credit losses (non-GAAP) - Q4 2024 compared to Q3 2024 $300 $22.6 $45 sig SS $280 $260 lions $240 $220 = z = e $200 $180 $160 T T T T T T T T T T Q3 2024 Net Mortgage Losseson All Other Advertising Software Amortization All Other Q4 2024 Interest Banking Inves
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $525.1 $502.6 2 g } z | a Q4 2023 QI 2024 Q2 2024 Q3 2024 Q4 2024 NIM (GAAP) NIM (non-GAAP) HE Net Interest Income
Slide 5: Net Income Compound Annual Growth Rate ("CAGR") of 6%
Net Income 10 Year Compound Annual Growth Rate ("CAGR") of 16% $700.0 — $622.6 $600.0 $509.7 $500.0 $466.2 $400.0 $343.2 9385.7 $293.0 $300.0 577 $206.9 $200.0 + gisy4 $156.7 $100. i [| $0.0 2014-2015) 2016 =) 2017') 2018 = 2019 = 2020 2021. = 2022) 2023S 2024 $695.0 2 Z = = = = F
Slide 6: Book Value per Common Share - 8%
¢ Book Value per Common Share - 10 Year CAGR of 8% ¢ Tangible Book Value per Common Share (non-GAAP) - 10 Year CAGR of 9% $100.00 ~ $89.21 $90.00 $80.00 $71.62 $72.12 $70.00 $60.00 $59.64 $61.00 $50.00 $40.00 $30.00 $20.00 2014 2015 2016 2017 2018 2019 = 2020 2021 2022 2023 2024 —@— Book value per c
Slide 7: Stock Price and Common Stock Dividends Paid
$125.00 $100.00 $75.00 $50.00 $25.00 $0.00 ¢ Stock Price - 10 Year CAGR of 10% ¢ Common Stock Dividends Paid - 10 Year CAGR of 16% $124.71 2014 «2015 «2016 )=— 2017's 2018 »= 2019S 2020 2021) =. 2022) 2023S 2024 Market price per common share ~~ ~~ Cash dividends declared per common share
Slide 8: Total Assets
Total Assets 10 Year CAGR of 12% 2 < = a & a T T T T T T T T T T T 2014. «20152016 = 2017's 2018 = 2019S 2020S 2021 2022 4 =2023 2024
Slide 9: Total Loans
Total Loans 10 Year CAGR of 13% $42.1 $39.2 $34.8 $32.1 $26.8 $23.8 $21.6 $19.8 $17.3 S146 : L 2014. «20152016 =) 2017) 2018 = 2019) 2020. 2021'S 2022, 2023'S 2024 a < Ss = = ==) < = F
Slide 10: Total Deposits
Total Deposits 10 Year CAGR of 12% $45.4 $42.1 $42.9 $37.1 $30.1 $26.1 23.2 $21.7 s $18.6 $16.3 a 2014. «20152016 = 2017's 2018 = 2019S 2020S 2021 2022 4 =2023 2024 2 g J = | <=) s & a
Slide 11: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets T T T T T T T T T T T 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Slide 12: Selected financial data and non-GAAP measures
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 270,060 255,043 208,151 6 30 Cash dividends declared per common share 0.45 0.45 0.40 — 13 Net interest income 525,148 502,583 469,974 4 12 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.51 3.51 3.64 — (13) Return o
Slide 13: Allowance for credit losses and net charge-offs
Third Quarter 2024 (49) (111) (50) First Quarter 2024 (2) 24 0 Cumulative effect adjustment from the adoption of ASU 2022-02 — — — — — — 741 Provision for credit losses - Day 1 on non-PCD assets acquired during the period — 15,547 — — — 15,547 — Other adjustments (187) 30 (19) (31) 62 (207) 47 Comme