Slide 1: Net Income
Net Income $195.5 | | ; / Q3 2024 Q4 2024 QI 2025 Q2 2025 Q3 2025 2 g -} z A | a
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) $340 $320 $300 $280 $260 $240 $220 $200 $180 $160 $140 $317.8 T Q3 2024 T Q4 2024 QI 2025 Q2 2025 Q3 2025
Slide 3: Pre-tax income excluding provision, Q3 2025 compared to Q2 2025
2 Z = | z = F Pre-tax income, excluding provision for credit losses (non-GAAP) - $325 Q3 2025 compared to Q2 2025 1.5 2.3 $2.7 $ $20.3 $0.4 $1.3 7 ——— ——— iO $289.3 a $1.8 $317.8 T T T T T T T T T Q2 2025 Net Wealth Mortgage Gains All Other Software Professional All Other Interest Management Banking
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $567.0 $546.7 2 g } z = a Q3 2024 Q4 2024 QI 2025 Q2 2025 Q3 2025 NIM (GAAP) NIM, fully taxable-equivalent (non-GAAP) HE Net Interest Income
Slide 5: Total Assets Year Growth Rate of 9%
Total Assets 1 Year Growth Rate of 9% 2 < = a A | a T T T T T Q3 2024 Q4 2024 QI 2025 Q2 2025 Q3 2025
Slide 6: Total Loans Year Growth Rate of 11%
Total Loans 1 Year Growth Rate of 11% 2 < = a & a T T T T T Q3 2024 Q4 2024 QI 2025 Q2 2025 Q3 2025
Slide 7: Total Deposits Year Growth Rate of 10%
Total Deposits 1 Year Growth Rate of 10% 2 < = a A | a T T T T T Q3 2024 Q4 2024 QI 2025 Q2 2025 Q3 2025
Slide 8: Series F Preferred Stock issuance and redemption of Series D and E
*On May 22, 2025, the Company completed the issuance of $425 million of Series F Preferred Stock. The issuance was in contemplation of redeeming $412.5 million of Series D and Series E Preferred Stock that was expected to reprice at rates higher than existing market rates. The Series D and Series E
Slide 9: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets Q3 2024 Q4 2024 QI 2025 Q2 2025 Q3 2025
Slide 10: Selected financial data and non-GAAP measures
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 317,809 289,322 255,043 10 25 Cash dividends declared per common share 0.50 0.50 0.45 — 11 Net interest income 567,010 546,694 502,583 4 13 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.50 3.54 3.51 (4) (1) Return
Slide 11: Allowance for credit losses and net charge-offs
Second Quarter 2025 — (7) — fourth quarter 2024 (52) 18 (50) Provision for credit losses - Other 21,768 22,234 23,963 16,979 6,787 67,965 68,521 Initial allowance for credit losses recognized on PCD assets acquired during the period — — — — 3,004 — 3,004 Charge-offs: Commercial real estate 144 5,711