National Bank — Q4 2020 Earnings Presentation

4 slides from National Bank's earnings presentation, Jan 21, 2021

Slide 1: Fourth Quarter 2020 Supplemental Disclosure
FOURTH QUARTER 2020 NATIONAL BANK HOLDINGS CORPORATION SUPPLEMENTAL DISCLOSURE JANUARY 21, 2021 EXHIBIT 99.2
Slide 2: 2020 Financial Highlights
2020 FINANCIAL HIGHLIGHTS CAPITAL 14.7% Common Equity Tier 1 Ratio LIQUIDITY Loan to deposit ratio of 77% NET INCOME $88.6 million TRANSACTION DEPOSIT GROWTH 15.3% annualized linked quarter ACL / LOANS 1.37% 1.43% excluding PPP loans EXPENSE 57.9% efficiency ratio FTE ‒ Strong capital levels with $3
Slide 3: COVID-19 High Impact Industries as of 12/31/20
COVID-19 HIGH IMPACT INDUSTRIES AS OF 12/31/20 RESTAURANTS OIL & GAS RETAILERS LOAN OUTSTANDINGS $209.9 MILLION $126.9 MILLION $29.4 MILLION OF TOTAL LOANS 4.8% OF TOTAL LOANS 2.9% OF TOTAL LOANS 0.7% CLIENTS 95 CLIENTS 157 QUICK SERVICE 80% ESSENTIAL BUSINESSES 58% AVERAGE SR DEBT TO CAP 34% NO NEW
Slide 4: COVID Modifications as of 12/31/20
LOANS OUTSTANDING LOANS MODIFIED(1) (2) COMMERCIAL EXCLUDING PPP 2,868.0 66.0% 44.7 1.6% CRE NON-OWNER OCCUPIED 632.0 14.5% 126.4 20.0% RESIDENTIAL REAL ESTATE 658.6 15.1% 2.5 0.4% CONSUMER 19.0 0.4% -- TOTAL EXCLUDING PPP 4,177.6 96.0% 173.6 4.2% PPP 176.1 4.0% TOTAL LOANS 4,353.7 100.0% $ $ ‒ Modi