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

Financial Highlights

2017YTD Q3

2016Y

2014Y

2015Y

2013Y

0-1B US C (2923) Averaged BALANCE SHEET Total Assets

273,698 52,246 187,773 15,155 227,514 12,719 267,043 180,583 3

245,558 51,987 161,608 14,329 204,168 11,671 238,093 153,849 3

261,288 52,023 175,889 14,885 217,818 12,221 252,689 167,589 3

221,042 51,447 138,652 13,404 184,941 10,303 217,567 134,074 3

232,122 51,966 149,193 13,513 192,756 11,256 226,160 142,468 3

2 3 4

Securities

Total Loans & Leases

Fed Funds (Net)

s Interest-Bearing Balances

Total Deposits

6 7

Total Borrowed Money (Inc FHLB Adv)

Avg. Total Assets

Avg. Total Domestic Loans

9

82.53 68.61

79.15 65.81

80.75 67.32

74.97 62.73

77.40 64.27

io ii

Loan! Deposit Ratio Loan! Asset Ratio

SECURITIES

87%

87%

86%

86%

86%

12 is 14 is IS 17 is

%AFS

3.3

3.3

3.0

3.2

2.3

Sec % TSY Sec % AGY Sec % MUNI Sec % MBS Sec % CM0 Sec % Other

22.1 32.1 26.4 11.4

21.8 32.0 27.0 11.1

26.2 28.7 26.5 11.4

24.8 30.4 26.1 10.9

27.1 28.2 26.7 11.2

4.8

4.7

4.2

4.5

4.6

LOANS & LEASES is Agricultural/ Total Loans

3.3

3.3

3.5

3.5

3.3

11.5

11.6

11.6

11.6

11.4

Commercial & Ind / Total Loans

20 21 22 23 24 25 26 27 23 29 30 31 32 33 34

3.9

4.0

4.2

4.0

4.4

Consumer! Total Loans Real Estate/Total Loans

79.7

79.3

79.6

79.4

79.2

1.7

1.6

1.6

1.5

1.5

Other

CAPITAL

31,515 30,465 16.91 11.27 28.54 1,629 0.81 7.13 4.09 4.91 2.51 0.59 0.46 3.68 0.53 0.65 2.79 4,095 7,475 15.76 67.77 2,331 30.09 308 37 145 10.17 84.89 0.80 198 1.21 0.09 3.90 2.57 33.88 8.32 30.35 (125.10) 9.80 20.01 34.09 94.11 132.46 20.83 36.60 100.31 -

29,461 28,798 16.97 11.15 34.61

26,431 25,370 17.78 11.05 36.67

28,001 27,044 17.28 11.16 36.98

24,302 23,882 17.84 10.88 33.83

Total Equity Capital

Tier 1 Capital

Risk Based Capital / RBA

Leverage Ratio

Dividends / Net Income Before Extra

PROFITABILITY Net Income (Loss)

1,984

1,615 0.71

1,811 0.76

1,442 0.66 6.00

0.79 6.82 4.02 4.92 2.48 398 0.56 0.58 3.64 0.73 0.68 2.86 87

Return on Average Assets

6.33 4.06 5.12 2.60 387 0.58 0.63 3.65 0.88 0.66 2.91 63

6.66 4.01 4.99 2.50 397 0.55 0.59 3.63 0.78 0.69 2.89 74

Retum on Avgerage Equity Capital Yield on Earning Assets (TEY)

4.11 5.33 2.54 377 0.68 0.74 3.61 0.99 0.70 2.94 64

Yield on Loans

Yield on Investment Securities (TEY) Inc. on State and Pol Sec - Tax-Exempt Realized Gains (Losses) on Sec Total Rates on Interest Bearing Deposits Service Charges/Transaction Deposits Noninterest Income / Avg. Assets Noninterest Expense Total / Avg. Assets Loans & Deposits / FTE Employee Operating Income (TEY) / FTE employee Overhead! Oper Income (Efficiency Ratio) Op Inc. bef. Tax & Extraordinary Items Deposits / FTE Employee Non-Margin Revenue Mix Cost of Funds Net Interest Margin (TEY)

35 36 37 39 39 40 41 42 43 44 as 46 47 46 49

3,990 7,212 16.61 69.76 2,737 27.48 186

3,838 6,876 16.84 70.71 2,479 26.95 179

3,601 6,301 17.24 72.14 1,952 26.31 169

3,701 6,565 16.18 71.44 2,216 27.09 173

Effective Tax Rate Subchapter S Election

_

_

-

so

ASSET QUALITY

13.81 68.61

11.69 77.65

17.32 58.15 1.32

22.28 50.66

Texas Ratio (NPA / Equity + LLR) LLR / Non-Performing Loans Non-Performing Loans / Total Loans

51 52 53 si so so 57 so 59 eo 61 62 63 64

0.88 267 1.25 0.12

• 1.05

1.76 381 1.59 0.38

235 1.32 0.15

269 1.43 0.24

Provision for Credit Losses

LLR/Total Loans

Net Charge Offs / Avg. Loans & Leases

LIQUIDITY

3.53 2.31

2.94 1.93 29.60 7.93 34.56

3.24 2.18

2.63 1.69

Broker Deposits! Total Deposits

Broker Deposits (ex. Recip) / Total Deposits 4250,000 Deposits / Domestic Dep. Public Funds to Total Deposits Time Dep to Total Domestic Deposits Net Non-Core Funding Dependence Reliance on Wholesale Funds Liquid Assets / Total Assets Long-Term Assets! Total Assets Avg. Earning Assets / Avg. Assets Avg. Int Earn Assets / Avg. Int Bear Liab Non-Interest Bearing Dep / Total Dep Pledged Securities / Total Securities Sec Fair Market! Sec Amortized Cost

33.17 8.46 30.89

31.37

27.71 7.60 36.88 1.35 8.75 24.42 34.85 93.29

8.16

32.35 1.27 22.07 34.48 93.66 9.46

(18.96)

2.36 9.20

9.56

21.04 34.60 93.83

23.10 34.99 93.55

as ea 67 66 69 70

130.06 19.72 35.90 100.68

131.45 20.39 35.85 99.23

127.89 18.62 35.71 100.97

125.72 17.38 34.32 98.69

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