Slide 1: Net Income
Net Income 2 g -} z A | a Q4 2022 QI 2023 Q2 2023 Q3 2023 Q4 2023
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 2022 QI 2023 Q2 2023 Q3 2023 T Q4 2023
Slide 3: Pre-tax income excl. provision: Q4 2023 compared to Q3 2023
2 Z = | z = F Pre-tax income, excluding provision for credit losses (non-GAAP) - $280 $260 $240 $220 $200 $180 $160 Q4 2023 compared to Q3 2023 $(20.0) $7.6 $244.8 a Sc $3.5 i) a $1.9 $208.2 $(34.4) T T T T T T T T Q3 2023 Net Mortgage Gains on All Other FDIC All Other Q4 2023 Interest Banking avail
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $462.4 $470.0 2 g } z | a Q4 2022 QI 2023 Q2 2023 Q3 2023 Q4 2023 NIM (GAAP) NIM (non-GAAP) HE Net Interest Income
Slide 5: Net Income
Net Income 10 Year CAGR of 16% $622.6 $509.7 $466.2 $343.2 $355.7 $293.0 $257.7 $206.9 $137.2 81514 $156.7 l 2013) 2014 2015. 2016 =. 2017, 2018 »=— 2019S 2020 2021) = 2022S 2023 2 Z = = = = F
Slide 6: Book Value per Common Share and Tangible Book Value per Common Share
Book Value per Common Share - 10 Year CAGR of 8% Tangible Book Value per Common Share (non-GAAP) 10 Year CAGR of 9% $59.64 $61.00 sao. 99323 $41.52 $43.42 $44.67 $38.47 33.17 $29.93 83245 § 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 —@— Book value per common share HB Tangible book value
Slide 7: Stock Price and Common Stock Dividends Paid
Stock Price - 10 Year CAGR of 7% Common Stock Dividends Paid - 10 Year CAGR of 24% teas $90.82 $92.75 $84.52 $46.12 $46.76 $48.52 -o~ | e-—-°-—° ag A @ T T T T T T T T T T T 2013, 2014-2015 2016 )=— 2017's 2018 »=— 2019) 2020 2021 )9= 2022S 2023 Market price per common share =. ~~ Cash dividends dec
Slide 8: Total Assets
Total Assets 10 Year CAGR of 12% 2 < = a & a T T T T T T T T T T 2013) 2014) = 2015. 2016S 2017'S 2018 = 2019S 2020 2022 =. 2023
Slide 9: Total Loans
Total Loans - 10 Year CAGR of 12% $34.8 $32.1 $26.8 $23.8 $21.6 $19.8 $17.3 $13.2 $14.6 | 2013 «2014.0 2015. 2016S 2017'S 2018 += 2019 = 2020 2022 =. 2023 a < Ss = = --) < = F Total Loans
Slide 10: Total Deposits
Total Deposits 10 Year CAGR of 12% 2 < = a & a T T T T T T T T T T 2013) 2014) = 2015. 2016S 2017'S 2018 = 2019S 2020 2022 =. 2023
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 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Slide 12: as well as $7.0 million lower in production revenue. the Company’s held-for-sale portfolio of
as well as $7.0 million lower 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 va
Slide 13: Allowance for credit losses and net charge-offs
Third Quarter 2023 18 6 25 First Quarter 2023 44 (9) 50 Cumulative effect adjustment from the adoption of ASU 2022-02 — — — 741 — 741 — Other adjustments 62 (60) 41 4 31 47 (108) Commercial 5,114 2,427 5,629 2,543 3,019 15,713 14,141 Home equity — 227 — — — 227 432 Premium finance receivables - prop