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

Financial Highlights

2017010 Q3

2016Y

2015Y

2014Y

2013Y

0-1B US HP C (215) Averaged

BALANCE SHEET Total Assets

320,349 58,218 224,969 18,197 268,559 12144 308,770 214,795 83.77 70.23 6

300,310 56,863 207,874 15,953 251,632 12,694 288,800 196,461 7

257,846 54,392 170,576 14,560 215,987 10,918 248,953 161,405 7

277,266 56,266 187,152 15,868 231,931 11,786 267,202 176,847 8

241,007 52,766 155,427 13,856 203,942 234,729 148,631 7 9,776

Securities

2 z 4 5 7 a 9

Total Loans & Leases

Fed Funds (Net)

Interest-Bearing Balances

s Total Deposits

Total Borrowed Money (Inc FHLB Adv)

Avg. Total Assets

Avg. Total Domestic Loans

82.61 69.22

80.69 67.50

78.98 66.15

76.21 64.49

Loan! Deposit Ratio Loan / Asset Ratio

is ii

SECURITIES

88%

87%

87%

87%

88%

%AFS

12 13 14 15 Is IT is 19 20 21 22 23 24 zs 26 27 25

3.0

3.0

3.1

2.9

2.7

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

12.6 48.8 22.3

15.8 47.8 21.5

12.4 49.3 23.0

18.7 44.3 21.8

20.2 41.8 23.0

9.3 4.0

8.3 4.1

8.5 3.6

8.8 3.3

8.9 3.4

LOANS & LEASES Agricultural/ Total Loans Consumer! Total Loans Real Estate / Total Loans Commercial & Ind / Total Loans

5.1

5.1

5.3

5.4

5.0

12.6 4.3 75.2

12.9

13.2

13.3

13.5

4.4

4.7

4.5

4.9

75.6

75.0

74.9

75.1

2.7

2.0

1.7

1.9

1.6

Other

CAPITAL

37,263 36,075 16.48 11.49 28.90 3,378 1.49 12.97 4.66 5.50 2.82 599 107 0.65 0.47 4.30 0.57 0.85 2.62 4,577 8,411 17.27 53.13 4,809 29.74 185

33,770 33,151 16.28 11.16 34.11 3,855 1.33 11.64 4.48

31,369 30,268 16.42 11.03 35.61 3,410 1.28 11.32

25,562 25,232 16.56 10.54 39.79 2,431 1.04 9.66 4.49 5.73 2.89 621 0.68 0.74 4.04 1.09 0.76 2.73 93 3,970 6,995 16.72 59.96 3,447 29.54 202

28,776 27,623 16.65 10.83 35.61 2,943 1.19 10.77

Total Equity Capital

Tier 1 Capital

Risk Based Capital! RBA

Leverage Ratio

Dividends / Net Income Before Extra

PROFITABILITY Net Income (Loss)

29 30 31 32 33 34 35 as 37 36 as -to 41 42 43

Return on Average Assets

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

4.43 5.46 2.71 751 0.58 0.59 4.12 0.85 0.79 2.66 85

4.47 5.59 2.89 674 0.60 0.63 4.12 0.95 0.75 2.69 64

5.42 2.70 764 133 0.59 0.59 4.15 0.79 0.84 2.64

Yield on Loans

Yield on Investment Securities (TEY) Inc. on State and Pot 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)

4,455 8,135 17.51 55.31 5,479 29.63 237

4,324 7,814 16.90 56.70 4,763 28.39 226

4,147 7,423 16.19 58.03 4,151 29.11 214

44 45 46 47 46 49 so SI 52 53 54 55 55 57 as 5s so 61 62 63

Effective Tax Rate Subchapter S Election

-

-

-

-

ASSET QUALITY

8.58

10.54 99.16 0.80

14.13 79.14 1.05

7.72

19.67 66.20 1.45

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

124.84

129.36

0.60 405 1.46 0.14

0.54 227 1.39 0.08

337 1.55 0.12 3.88 2.73

371 1.63 0.22

596 1.80 0.40

Provision for Credit Losses

LLR / Total Loans

Net Charge Offs / Avg. Loans & Leases

LIQUIDITY

4.47 2.98

3.68 2.49

4.80 3.11 38.19 9.08 31.21 5.43 11.32 19.02 28.21 94.92 137.30 22.62 39.58 100.91

3.08 2.21

Broker Deposits! Total Deposits

Broker Deposits (ex. Recip) / Total Deposits >$250,000 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

37.34

35.58 8.97 32.80 10.79 21.15 30.37 94.42 5.28

34.08 8.36 34.70 4.75 10.58 21.94 30.56 94.23

31.79 8.15 37.07

9.53

31.46

5.72

3.54 9.88

11.40 19.62 29.41 94.67

23.08 30.31 93.75

64 es 66 67 as 69 70

135.94 22.26 39.82 99.57

132.06 21.14 38.42 101.52

134.41 21.92 36.05 101.34

128.07 18.95 37.80 98.81