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

Financial Highlights

2017`fiD Q3

2016Y

2014Y

2015Y

2013Y

0-1B US S (1834) Averaged BALANCE SHEET Total Assets

208,887 44,798 139,327 11,525 176,789 205,501 134,838 1 8,866

203,122 45,060 133,036 11,380 172,262 198,486 128,177 0 8,236

195,715 46,271 125,136 10,846 165,431 191,073 119,600 1 8,227

177,645 45,520 108,031 10,600 151,476 174,495 103,780 0 7,196

187,344 46,628 116,408 10,758 158,651 181,843 110,755 3 7,731

2 3

Securities

Total Loans & Leases

Fed Funds (Net)

4

s Interest-Bearing Balances

s Total Deposits

Total Borrowed Money (Inc FHLB Adv)

7 s 9

Avg. Total Assets

Avg. Total Domestic Loans

79.26 66.70

75.64 63.94

77.23 65.50

71.32 60.81

73.37 62.14

16 ii

Loan! Deposit Ratio Loan! Asset Ratio

SECURITIES

91%

92%

91%

91%

AFS

91%

%

12

3.1

3.3

3.4

2.9

Sec % TSY Sec %AGY Sec % MUNI Sec % MBS Sec % CMO Sec % Other

2.0

13

21.4 38.6 23.9 10.4

21.0 38.7 24.4

23.5 36.7 24.1

25.8 34.6 25.5

25.0 34.6 24.9 10.1

14 is is IT is

9.9 2.6

9.8 2.5

9.6 2.6

2.5

2.5

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

9.3

9.4

10.0 14.3

9.4

10.1 14.5

19

13.7

13.9

14.7

20 21 22 23

4.2

4.3

5.0

4.7

4.5

71.1

70.6

69.5

69.3

69.0

1.7

1.7

1.7

1.7

1.7

Other

CAPITAL

23,155 22,396 16.18 10.84 59.63 2,178 1.41 12.94 4.22 5.20 2.57 0.54 0.42 3.89 0.60 0.71 2.75 3,826 6,859 16.24 62.51 2,206 1.23 314 18 144 10.45 87.36 0.86 186 1.38 0.12 3.48 2.36 33,52 9.98 28.32 2.76 9.06 20.86 27.42 94.52 -

21,692 21,408 16.10 10.63 68.33 2,682 1.35 12.22 4.16 5.20

18,163 18,078 16.52 10.26 62.26 2,174 1.25 11.93

20,106 19,191 16.44 10.36 61.83

21,182 20,345 16.13 10.51 65.07 2,548 1.33 12.29 4.13 5.27 2.53

Total Equity Capital

24

Tier 1 Capital

25

Risk Based Capital! RBA

26 27

Leverage Ratio

Dividends! Net Income Before Extra

23

PROFITABILITY Net Income (Loss)

2,376 1.31 12.35

29 36 31 33 34 os 36 37 32

Retum on Average Assets

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

418 5.41 2.58 407 0.52 0.55 3.86 0.92 0.73 2.81 36

4.22 5.60 2.52 401 0.60 0.64 3.83 1.01 0.78 2.84 28

Yield on Loans

2.54 411 0.50 0.52 3.86 0.81 0.75 2.79 56

Yield on Investment Securities (TEY) Inc. on State and Pol Sec - Tax-Exempt Realized Gains (Losses) on Sec Total Rates on Interest Bearing Deposits

409

40

0.49 0.51 3.84 0.84 0.74 2.79

Cost of Funds

35

Net Interest Margin (TEY)

39 ao 41 42 43 44 45 46 47 4s 49 so Si 62 53

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. bet Tax & Extraordinary Items Deposits / FTE Employee Non-Margin Revenue Mix

3,787 6,712 17.03 63.73 2,724 1.53 186

3,707 6,510 16.93 64.24 2,599 181

3,627 6,288 16.81 64.58 2,432 176

3,490 5,980 17.85 65.16 2,223 170

2.01

2.27

2.27

Effective Tax Rate Subchapter S Election

-

-

-

ASSET QUALITY

11.36 81.99

11.17 85.58

13.48 72.83 1.00

17.78 61.16

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

0.90 272 1.39 0.15

0.87 196 1.41 0.13

1.31 242 1.59 0.27

196 1.48 0.18

Provision for Credit Losses

sa 6.6 so

LLR / Total Loans

Net Charge Offs / Avg. Loans & Leases

LIQUIDITY

2.82 1.89

3.17 2.14

2.41 1.69 31.54 10.20 30.93

2.26 1.59 29.85 9.93 33.28

Broker Deposits! Total Deposits

57 ss 59 so 61

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

33.47 10.47 28.31

32.57 10.34 29.11

2.22 8.47

1.36 8.03

2.18 8.39

0.42 7.71

62

63

21.68 27.80 94.09

22.77 28.15 93.90

24.15 28.60 93.80

25.33 28.68 93.45

64 as 66 67 as 69

134.05 22.14 41.22 99.24

133.43 22.17 40.51 100.72

131.39 21.60 39.95 100.91

128.94 20.29 38.65

134.68 2Z22 41.01 100.35

-42-

98.91

70