Bank Directors Seminar, Coeur d'Alene, ID, September 15-17, 2019

idity Forecast Cash Flow and Liqu

March 31, 2018

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12

Beginning Fed Funds Balance

$30,975 $23,764 $22,186 $21,074 $18,520 $15,899 $12,640

$8,537

$5,079

$2,613

$1,846

$2,180

Deposit Activity Expected Deposit Account Runoff Deposit Accounts Retained CDs <2501< Matured CDs >250K Matured CDs Renewed/Repurchased Net Deposit Activity Expected Lending Activity Expected New Loans Renewed/Extended Loans Matured/Paid Loans Funding of Warehouse Loans Proceeds from Sale of Loans Net Lending Activity Securities/IBB Activities Expected Securities Purchases Securities Maturities/Calls/Prepayments Net Securities//BB Activities Expected Funding and Cash Activities Expected Maturing FHLB Borrowings Dividend Payments Total Funding & Cash Activities Total Cash Increase/Decrease Forecast Ending Fed Funds Balance Total Liquidity (On-balance sheet sources) Cash interest Bearing Balances Fed Funds Sold Securities Total Liquidity TOTAL LIQUIDITY/ TOTAL ASSETS Available Liquidity (Off-balance sheet sources) TOTAL ASSETS

$0

$0

$0 ($8,632) ($8,632) ($8,632) ($8,632) ($8,632) ($8,632) ($8,632) ($8,632) ($8,632)

o

o

0

6,906

6,906

6,906

6,906

6,906

6,906

6,906

6,906

6,906

(2,914) (7,896) 8,648

(2,447) (4,330)

(2,918) (2,504) 4,338

(2,640)

(4,376) (1,242)

(2,596)

(2,865) (2,164) 4,023

(3,897) (1,003)

(3,002) (1,680)

(2,007) (1,010)

(3,075)

(2,984)

(617)

0

(401)

(804)

5,422 2,606 2,077 3,920 3,030 ($2,162) ($1,355) ($1,084) ($2,378) ($2,850) ($2,246) ($2,732) ($2,706) ($2,663) ($2,330) ($2,422) ($2,484) 3,746 2,414 2,781 4,494

($4,367) ($300) ($300) ($300) ($300) ($10,072) ($8,310) ($11,673) ($10,377) ($10,114) ($7,548) ($3,716) ($6,193) ($4,386) ($5,257) ($6,758) ($3,660) 12,590 10,388 14,591 12,971 12,643 9,435 4,645 7,741 5,483 6,571 8,448 4,575 (3,333) (3,500) (3,500) (3,500) (3,500) (3,500) (3,500) (3,500) (3,500) (3,500) (3,500) (3,500) 3,333 3,500 3,500 3,500 3,500 3,500 3,500 3,500 3,500 3,500 3,500 3,500 ($1,849) $1,778 $2,618 $2,294 $2,229 $1,587 $629 $1,248 $797 $1,014 $1,390 $615 ($300) ($300) ($300) ($300) ($300) ($300) ($300)

($3,558) ($3,541) ($2,985) ($6,279) ($3,828) ($4,275) ($3,776) ($5,566) ($2,200)

$0

$0

$0

1,558

1,541

985

4,279

1,828

2,275

1,776

3,566

2,200

1,353 $1,353

698

2,867 $2,867

($2,000) ($2,000) ($2,000) ($2,000) ($2,000) ($2,000) ($2,000) ($2,000)

$0

$698

o o

(1,000)

o o

o

o o

o o

(46)

o

o 0

(470)

o o

(470)

o

(200)

(600) ($646)

o

(600) ($600)

(600) ($600)

($1,200)

$0

($470)

$0

($470)

$0

$0

$0

$0

($7,211) ($1,578) ($1,112) ($2,554) ($2,621) ($3,259) ($4,103) ($3,458) ($2,466)

($433)

($334)

$998

$23,764 $22,186 $21,074 $18,520 $15,899 $12,640 $2,844 $445,696 $444,341 $443,210 $440,362 $437,512 $435,267 $432,535 $429,828 $427,165 $424,366 $421,944 $419,460 $8,537 $5,079 $2,613 $2,180 $1,846

$6,294 12,369 23,764 90,615

$6,294 12,369 22,186 92,615

$6,294 12,369 21,074 94,615

$6,294 12,369 18,520 96,615

$6,294 12,369 15,899

$6,294 12,369 12,640

$6,294 12,369 8,537

$6,294 12,369 5,079

$6,294 12,369 2,613

$6,294 12,369 2,180

$6,294 12,369 1,846

$6,294 12,369 2,844

98,615 100,615 102,615 104,615 104,615 103,262 102,564 99,697 $133,042 $133,464 $134,352 $133,798 $133,177 $131,918 $129,815 $128,357 $125,891 $124,105 $123,073 $121,204 30% 30% 30% 30% 30% 30% 30% 30% 29% 29% 29% 29%

Unpledged Securities Overpledged Securities Brokered Deposit Capacity FHLB Capacity Bankers Bank Fed Funds Correspondent Bank LOC Total Available Liquidity

$18,186 $18,186 $18,186 $18,186 $18,186 $18,186 $18,186 $18,186 $18,186 $18,186 $18,186 $18,186 $6,812 12,000 $0 12,000 $0 12,000 SO 12,000 SO 12,000 SO 12,000 $0 12,000 $0 12,000 $0 12,000 $0 12,000 $0 12,000 $0 12,000 16,640 16,640 16,686 17,156 17,156 17,156 17,155 17,155 17,156 17,626 17,626 17,626 13,105 13,105 13,105 13,105 13,105 13,105 13,105 13,105 13,105 13,105 13,105 13,105 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5.000 5,000 $71,743 $64,931 $64,977 $65,447 $65,447 $65,447 $65,447 $65,447 $65,447 $65,917 $65,917 $65,917 16% 15% 15% 15% 15% 15% 15% 15% 15% 16% 16% 16% 46% 45% 45% 45% 45% 45% 45% 45% 45% 45% 45% 45%

TOTAL AVAILABLE LIQUIDITY/TOTAL ASSETS TTL CURR & AVAILABLE LIQUIDITY/TTL ASSTS