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

Financial Highlights

2011Y1D Q3

2013Y

2014Y

2015Y

2016Y

0-1B US HP S (67) Averaged BALANCE SHEET

285,983 44,137 215,743 12,430 242,119 12,879 277,049 204,434

1 2 3

Total Assets

222,302 41,732 156,312 10,681 189,570 10,240 214,069 145,068 . 1

241,937 44,739 173,749

259,967 44,554 187,138 14,361 221,680 11,211 250,638 177,318 2

270,435 44,068 200,588 11,999 231,838 10,680 262,928 190,346

Securities

Total Loans & Leases

1

Fed Funds (Net)

2

1

4 $ s 7 a 9

Interest-Bearing Balances

9,389

Total Deposits

203,510 12,885 232,176 161,963

Total Borrowed Money (Inc FHLB Adv)

Avg. Total Assets

Avg. Total Domestic Loans

89.11 75.44

82.46 70.32

so ii

Loan Deposit Ratio Loan/Asset Ratio

85.38 71.82

84.42 71.99

86.52 74.17

SECURITIES

97%

97%

97%

12

%AFS

97%

98%

1.9

is Sec % TSY

2.6

3.5

3.6

2.5

20.2 45.4 18.4

Sec %AGY Sec % MUM Sec % MBS Sec % CM0

24.8 38.5 16.9 10.5

22.5 40.0 18.1

21.8 42.8 17.6

20.3 43.7 18.8

14 15 la 17

8.0 6.1

9.6 6.3

8.9 5.4

8.9 5.8

6.7

is Sec % Other

LOANS & LEASES

11.7 13.6

Agricultural/ Total Loans

12.6 13.9

13.3 13.8

19 20 21 22 23 24 25 26 27 zs

13.3 12.9

12.4 13.1

Commercial & Ind / Total Loans

2.9

Consumer / Total Loans Real Estate / Total Loans

3.6

3.3

3.2

3.0

69.5

68.6

69.2

67.9

67.5

2.3

Other

2.0

2.1

2.0

2.3

CAPITAL

29,263 28,418 13.52 10.09 66.11 4,519 2.18 21.61 4.57 5.24 3.20 0.61 0.49 4.16 0.75 0.78 2.36 4,628 8,752 16.36 49.61 4,628 2.41 394 20 185

26,651 26,312 13.41

Total Equity Capital

21,464 21,066 13.82

24,346 23,184 13.82

25,869 24,883 13.56

Tier 1 Capital

Risk Based Capital / RBA

9.85

Leverage Ratio

9.62

9.67

9.67

Dividends / Net Income Before Extra

64.57

65.03

75.24

76.42

PROFITABILITY Net Income (Loss)

4,043

4,570 1.97 20.02 4.54 5.42 3.05 532 0.55 0.61 4.18 1.10 0.84 2.54 33 3,980 7,378 17.45 52.90 4,687 2.50 213

4,995 1.99 19.82

5,201 1.98 19.57

29 so 31 32 33 34 35 ss 37 32 39 4o 41

1.89

Return on Average Assets Return on Avgerage Equity Capital Yield on Earning Assets (TEY) Yield on Investment Securities (TEY) Inc. on State and Pot Sec - Tax-Exempt Realized Gains (Losses) on Sec Total Rates on Interest Bearing Deposits Yield on Loans 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)

19.27 4.59 5.60

4.44 5.27 3.04 532 0.53 0.58 4.10 1.01 0.82 2.47 41

4.47 5.22 3.42 527 0.55 0.60 4.11 0.99 0.79 2.44 43

3.01 492 0.63 0.70 4.16 1.18 0.83 2.51

(37)

e2 43 44 45 46 .ts 49 so 47 52 53 54 5.5 56

4,458 8,221 17.30 52.35 5,111 232

4,592 8,564 16.75 51.84 5,345 240

3,813 6,957 17.45 52.87 4,158 199

2.28

2.70

2.77

Effective Tax Rate Subchapter S Election

-

-

-

-

ASSET QUALITY si Texas Ratio (NPA / Equity + LLR)

7.79

7.46

6.66

12.55 106.99

6.41

148.93

148.43

186.22

LLR / Non-Performing Loans

182.56

0.52 323 1.42 0.12

0.53 279 1.40 0.09

0.41 383 1.38 0.11

0.65 326 1.50 0.16

Non-Performing Loans/Total Loans

0.40 173 1.33 0.05

Provision for Credit Losses

LLR/Total Loans

Net Charge Offs / Avg. Loans & Leases

LIQUIDITY

6.56 5.11

8.16 5.54

8.55 6.43

5.86 4.44

57 as 59 so 61 62 63 s4 as

Broker Deposits / Total Deposits

8.87 6.81 35.45 10.42 31.34 10.42 12.83 15.16 27.69 95.67 130.81 19.48 42.27 100.57

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

33.46 10.07 32.84 11.95 17.79 27.56 94.87 8.85

34.79 10.07 30.34 12.23 18.25 27.04 95.00 7.35

35.07 10.34 30A4 11.96 16.21 27.55 95.37 9.08

32.61 10.51 35.20 6.07 11.01 18.73 26.38 94.05 18.11 41.11 99.45 126.10

66 67 as 69 70

128.27 19.70 39.52 101.21

130.64 20.20

130.63 19.87 41.20

-43-

39.68

100.99

99.42