Slide 1: Net Income - 5 Quarter Trend
Net Income - 5 Quarter Trend a |} = z A | a Q3 2021 Q4 2021 QI 2022 Q2 2022 Q3 2022
Slide 2: Pre-tax income, excluding provision for credit losses (non-GAAP) - 5 Quarter Trend
Pre-tax income, excluding provision for credit losses, (non-GAAP) - $240 $220 $200 $180 $160 2 e = z I a $140 $120 $100 5 Quarter Trend T T T T T Q3 2021 Q4 2021 QI 2022 Q2 2022 Q3 2022 Pre-Tax Income, Excluding Provision for Credit Losses (non-GAAP) == == Pre-Tax Income, Excluding Provision for Cre
Slide 3: Pre-tax income, excluding provision for credit losses: Q3 2022 compared to Q2 2022
2 2 = = z I Ff Pre-tax income, excluding provision for credit losses (non-GAAP) - $240 $220 $200 $180 $160 $140 $120 Q2 2022 Q3 2022 compared to Q2 2022 $4.7 Pe —— Ll $1.0 $(6.1) $8.8) Net Mortgage Gains/Losses Salaries and All Other Interest Banking on investment Employee Non-Interest Income Revenu
Slide 4: Net Interest Income
Net Interest Income - 5 Quarter Trend 2 S = = & a Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022
Slide 5: Total Assets
Total Assets - 5 Quarter Trend 2 < = a = a T T T T T Q3 2021 Q4 2021 QI 2022 Q2 2022 Q3 2022
Slide 6: Total Loans
Total Loans - 5 Quarter Trend 2 | = a & a T T T T T Q3 2021 Q4 2021 QI 2022 Q2 2022 Q3 2022 Total Loans, excluding PPP loans Paycheck Protection Program (“PPP”) Loans
Slide 7: Total Deposits
Total Deposits - 5 Quarter Trend 2 < = a & a T T T T T Q3 2021 Q4 2021 QI 2022 Q2 2022 Q3 2022
Slide 8: Non-Performing Assets as a percentage of Total Assets - 5 Quarter Trend
Non-Performing Assets as a percentage of Total Assets - 5 Quarter Trend T T T T T Q3 2021 Q4 2021 QI 2022 Q2 2022 Q3 2022
Slide 9: Annualized Quarterly Net Charge-Offs as a percentage of Average Total Loans
Annualized Quarterly Net Charge-Offs as a percentage of Average Total Loans - 5 Quarter Trend 0.00% Q3 2021 Q4 2021 QI 2022 Q2 2022 Q3 2022
Slide 10: Selected financial highlights and non-GAAP measures
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 206,461 152,078 141,826 36 46 Cash dividends declared per common share 0.34 0.34 0.31 — 10 Net interest income 401,448 337,804 287,496 19 40 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.35 2.93 2.59 42 76 Return
Slide 11: Allowance for credit losses and net charge-offs
Second Quarter 2022 125 134 152 139 Fourth Quarter 2021 0 2 34 -1 Provision for credit losses 6,420 20,417 4,106 9,299 (7,916) 30,943 (68,562) Other adjustments (105) (56) 22 5 (65) (139) — Commercial 780 8,928 1,414 4,431 1,352 11,122 16,370 Home equity 43 192 197 135 59 432 201 Premium finance rec