2021 Ohio Bankers Day

Conclusion • US Economic Growth Coming Back…But Confidence Waning • Job growth will lag; virus/vaccine concerns will drive pace of growth • Bankers Optimistic in Q2 • Profitability up, but concerns regarding policy and regulatory burden • The States are Slowly Returning to a New Normal • Six States with Back-to-Normal levels above 100 • Significant Risks Could Undermine Outlook • Virus…Job Growth…Debt…Inflation…Bubbles…Geopolitical

Questions?