Slide 1: Net Income
Net Income $185.4 ; ; ; Q2 2024 Q3 2024 Q4 2024 QI 2025 Q2 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) $300 $280 $260 $240 $220 $200 $180 $160 $140 $120 $289.3 T Q2 2024 T Q3 2024 T Q4 2024 QI 2025 Q2 2025
Slide 3: Pre-tax income, excluding provision for credit losses - Q2 2025 compared to Q1 2025
Pre-tax income, excluding provision for credit losses (non-GAAP) - Q2 2025 compared to Q1 2025 $325 $2.2 $2.8 $2.6 $00 $20.2 $275 $250 2 2 = | z | F $225 $200 T T T T T T T T T T QI 2025 Net Wealth Mortgage Fees from = AllOther == Total. ~— Advertising All Other Q2- 2025 Interest Management Banking
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $546.7 2 g } z = a Q2 2024 Q3 2024 Q4 2024 QI 2025 Q2 2025 NIM (GAAP) NIM, fully taxable-equivalent (non-GAAP) HE Net Interest Income
Slide 5: Assets
Total Assets 2 < = - & a T T T T T Q2 2024 Q3 2024 Q4 2024 QI 2025 Q2 2025
Slide 6: Loans
Total Loans 2 < = - & a T T T T T Q2 2024 Q3 2024 Q4 2024 QI 2025 Q2 2025
Slide 7: Deposits
Total Deposits 2 < = - & a T T T T T Q2 2024 Q3 2024 Q4 2024 QI 2025 Q2 2025
Slide 8: Shareholders' Equity
Total Shareholders’ Equity | $7.2 $6.6 $6.4 $6.3 - 7 Q2 2024 Q3 2024 Q4 2024 QI 2025 Q2 2025 a < = 5 -—| a
Slide 9: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets @---e---e---e---@ Q2 2024 Q3 2024 Q4 2024 QI 2025 Q2 2025
Slide 10: Fees from covered call options increased by $2.2 million in the second quarter
Fees from covered call options increased by $2.2 million in the second quarter of 2025 compared to the first quarter of 2025. The Company has typically written call options with terms of less than three months against certain U.S. Treasury and agency securities held in its portfolio for liquidity an
Slide 11: Provision for credit losses and charge-offs table
First Quarter 2025 (1) (13) — third quarter 2024 (49) (111) (50) Provision for credit losses - Other 22,234 23,963 16,979 6,787 40,061 46,197 61,734 Initial allowance for credit losses recognized on PCD assets acquired during the period — — — 3,004 — — — Charge-offs: Commercial real estate 5,711 454