Document

0000946673-19-000015.txt : 20190725 0000946673-19-000015.hdr.sgml : 20190725 20190724175756 ACCESSION NUMBER: 0000946673-19-000015 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 4 CONFORMED PERIOD OF REPORT: 20190724 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20190725 DATE AS OF CHANGE: 20190724 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BANNER CORP CENTRAL INDEX KEY: 0000946673 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 911691604 STATE OF INCORPORATION: WA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-26584 FILM NUMBER: 19971936 BUSINESS ADDRESS: STREET 1: 10 S FIRST AVENUE CITY: WALLA WALLA STATE: WA ZIP: 99362 BUSINESS PHONE: 5095273636 MAIL ADDRESS: STREET 1: 10 S FIRST AVENUE CITY: WALLA WALLA STATE: WA ZIP: 99362 FORMER COMPANY: FORMER CONFORMED NAME: FIRST WASHINGTON BANCORP INC /WA/ DATE OF NAME CHANGE: 19980727 FORMER COMPANY: FORMER CONFORMED NAME: FIRST SAVINGS BANK OF WASHINGTON BANCORP INC DATE OF NAME CHANGE: 19950614 8-K 1 a63020198-kearningspressre.htm 8-K Document



SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15 (d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 24, 2019

Banner Corporation
(Exact name of registrant as specified in its charter)

Washington	0-26584	91-1691604
(State or other jurisdiction	(Commission	(I.R.S. Employer
of incorporation)	File Number)	Identification No.)

10 S. First Avenue
Walla Walla, Washington 99362
(Address of principal executive offices and zip code)

Registrant's telephone number (including area code) (509) 527-3636

Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions.


[ ]	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


[ ]	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)


[ ]	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


[ ]	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company [ ]

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ ]

Item 2.02 Results of Operations and Financial Condition

On July 24, 2019, Banner Corporation issued its earnings release for the quarter ended June 30, 2019. A copy of the earnings release is furnished herewith as Exhibit 99.1, which is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

The following exhibit is being furnished herewith and this list shall constitute the exhibit index:

99.1 Press Release of Banner Corporation dated July 24 2019.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.



	BANNER CORPORATION



Date: July 24, 2019	By: /s/ Peter J. Conner
	Peter J. Conner
	Executive Vice President, Treasurer and Chief Financial Officer

EX-99.1 2 releaseincludingtablesq2-2.htm EXHIBIT 99.1 Exhibit

Exhibit 99.1



		CONTACT:	MARK J. GRESCOVICH,
			PRESIDENT & CEO
			PETER J. CONNER, CFO
			(509) 527-3636

		NEWS RELEASE

Banner Corporation Reports Net Income of $39.7 Million, or $1.14 Per Diluted Share, in Second Quarter 2019;

Results Highlighted by 10% Year-Over-Year Revenue Growth and Improved Operating Efficiencies

Walla Walla, WA - July 24, 2019 - Banner Corporation (NASDAQ GSM: BANR) ("Banner"), the parent company of Banner Bank and Islanders Bank, today reported net income increased 19% to $39.7 million, or $1.14 per diluted share, in the second quarter of 2019, compared to $33.3 million, or $0.95 per diluted share, in the preceding quarter and increased by 22% when compared to $32.4 million, or $1.00 per diluted share, in the second quarter of 2018. Second quarter of 2019 results include $301,000 of acquisition-related expenses. In the preceding quarter, Banner’s results included a $676,000 write-down on a former administration building as well as $2.1 million of acquisition-related expenses. In the second quarter of 2018 there were no acquisition-related expenses. In the first six months of 2019, net income increased 19% to $73.0 million, or $2.09 per diluted share, compared to $61.2 million, or $1.89 per diluted share, in the first six months a year ago.

“Banner’s second quarter financial results demonstrate the effectiveness of our strategic plan and the success of our super community bank model,” stated Mark J. Grescovich, President and Chief Executive Officer. “Our operating performance generated solid revenue growth with increases in both net interest income and non-interest income compared to both the preceding quarter and the same quarter last year. The ongoing benefits of the Skagit Bank acquisition also contributed to profitability, as expenses declined through the realization of synergies from the transaction.”

At June 30, 2019, Banner Corporation had $11.85 billion in assets, $8.65 billion in net loans and $9.29 billion in deposits. Banner operates 176 branch offices, including branch offices located in eight of the top 20 largest western Metropolitan Statistical Areas by population. The acquisition of Skagit Bancorp, Inc. and its wholly-owned subsidiary, Skagit Bank, (collectively "Skagit") on November 1, 2018, added $916 million in assets and, after consolidation, six banking locations along the I-5 corridor from Seattle to the Canadian border.

Second Quarter 2019 Highlights


•	Revenues increased 4% to $139.4 million during the second quarter of 2019, compared to $134.2 million in the preceding quarter and increased 10% compared to $126.3 million in the second quarter a year ago.


•	Net interest income, before the provision for loan losses, was $116.7 million, compared to $116.1 million in the preceding quarter and increased 11% from $105.1 million in the second quarter a year ago.


•	Net interest margin was 4.38% for the current quarter, compared to 4.37% in the preceding quarter and 4.39% in the second quarter a year ago.


•	Total cost of funds of 56 basis points was unchanged compared with the prior quarter.


•	Return on average assets was 1.36% in the current quarter compared to 1.15% in the preceding quarter and 1.25% in the second quarter a year ago.


•	Net loans receivable increased to $8.65 billion at June 30, 2019, compared to $8.60 billion at March 31, 2019 and increased 14% when compared to $7.59 billion at June 30, 2018.


•	Provision for loan losses was $2.0 million for the quarter, increasing the allowance for loan losses to $98.3 million, or 1.12% of total loans receivable, as of June 30, 2019.


•	Core deposits increased slightly to $8.22 billion compared to $8.21 billion at March 31, 2019 and increased 11% compared to a year ago. Core deposits represented 88% of total deposits at June 30, 2019.


•	Quarterly dividends to shareholders for the current quarter were $0.41 per share.


•	Common shareholders’ equity per share increased to $43.99 at June 30, 2019, an increase of 2% from $42.99 at the preceding quarter end and an increase of 14% from $38.67 a year ago.


•	Tangible common shareholders' equity per share* increased to $33.36 at June 30, 2019, an increase of 3% from $32.47 at the preceding quarter end and an increase of 9% from $30.57 a year ago.


•	Repurchased 600,000 shares of common stock at an average cost of $53.46 per share.


•	Non-performing assets remained low at $21.0 million, or 0.18% of total assets, at June 30, 2019, compared to $22.0 million, or 0.19% of total assets three months earlier, and $16.5 million, or 0.16% of total assets, at June 30, 2018.

*Tangible common shareholders' equity per share and the ratio of tangible common equity to tangible assets (both of which exclude goodwill and other intangible assets, net), and references to revenue from core operations (which excludes fair value adjustments and net gain (loss) on the sale of securities from the total of net interest income before provision for loan losses and non-interest income) and the adjusted efficiency ratio (which excludes acquisition- related expenses, amortization of core deposit intangibles, real estate owned gain (loss) and state/municipal taxes from non-interest expense divided by revenues from core operations) represent non-GAAP (Generally Accepted Accounting Principles) financial measures. Management has presented these

BANR -Second Quarter 2019 Results

July 24, 2019

Page 2

non-GAAP financial measures in this earnings release because it believes that they provide useful and comparative information to assess trends in Banner's core operations reflected in the current quarter's results and facilitate the comparison of our performance with the performance of our peers. Where applicable, comparable earnings information using GAAP financial measures is also presented. See also Non-GAAP Financial Measures reconciliation tables on the last two pages of this press release.

Certain reclassifications have been made to the 2018 Consolidated Financial Statements and/or schedules to conform to the 2019 presentation. These reclassifications have affected certain line items and ratios for the prior periods but have not changed net income or shareholders’ equity for those periods. The effect of these reclassifications is considered immaterial.

Income Statement Review

Banner's net interest margin was 4.38% for the second quarter of 2019, a one basis-point increase compared to 4.37% in the preceding quarter and a one basis-point decrease compared to 4.39% in the second quarter a year ago. Acquisition accounting adjustments added seven basis points to the net interest margin in both the current quarter and the preceding quarter compared to six basis points in the second quarter a year ago. The total purchase discount for acquired loans was $22.6 million at June 30, 2019, compared to $24.2 million at March 31, 2019 and $18.1 million at June 30, 2018. In the first six months of the year, Banner’s net interest margin was 4.38% compared to 4.37% in the first six months of 2018.

Average interest-earning asset yields increased two basis points to 4.91% compared to 4.89% for the preceding quarter and increased 21 basis points compared to 4.70% in the second quarter a year ago. Average loan yields increased two basis points to 5.33% compared to 5.31% in the preceding quarter and increased 18 basis points compared to 5.15% in the second quarter a year ago. Loan discount accretion added nine basis points to loan yields in both the second quarter of 2019 and the preceding quarter, compared to eight basis points in the second quarter a year ago. Deposit costs were 0.39% in the second quarter of 2019, a two basis-point increase compared to the preceding quarter and a 19 basis-point increase compared to the second quarter a year ago. The total cost of funds was 0.56% during the second quarter of 2019, unchanged compared to the preceding quarter and a 23 basis-point increase compared to the second quarter a year ago, largely reflecting an increase in the cost of deposits and in FHLB advances.

Banner recorded a $2.0 million provision for loan losses in the current quarter, the same as in the prior quarter and the year ago quarter. The provision is primarily a result of new loan originations, the renewal of acquired loans out of the discounted acquired loan portfolio and net charge-offs.

Total non-interest income was $22.7 million in the second quarter of 2019, compared to $18.1 million in the first quarter of 2019 and $21.2 million in the second quarter a year ago. Deposit fees and other service charges were $14.0 million in the second quarter of 2019, compared to $12.6 million in the preceding quarter and $12.0 million in the second quarter a year ago. The increase in deposit fees and other service charges during the current quarter compared to the prior quarter was primarily due to seasonal increases in interchange fee income; the increase over the prior year period reflects an overall increase in deposit accounts including those acquired from the Skagit acquisition. Mortgage banking revenues, including gains on one- to four-family and multifamily loan sales and loan servicing fees, increased to $5.9 million in the second quarter, compared to $3.4 million in the preceding quarter and $4.6 million in the second quarter of 2018. The higher mortgage banking revenue reflected an increase in residential and multifamily mortgage held-for-sale loan production. Home purchase activity accounted for 81% of one- to four-family mortgage loan originations in the second quarter of 2019, compared to 80% in the prior quarter and 81% in the second quarter of 2018. In the first six months of 2019, total non-interest income was $40.8 million, compared to $42.6 million in the first six months of 2018.

Banner’s second quarter 2019 results included a $114,000 net loss for fair value adjustments as a result of changes in the valuation of financial instruments carried at fair value, principally comprised of certain investment securities held for trading and a $28,000 net loss on the sale of securities. In the preceding quarter, results included an $11,000 net gain for fair value adjustments and a $1,000 net gain on the sale of securities. In the second quarter a year ago, results included a $224,000 net gain for fair value adjustments and a $44,000 net gain on the sale of securities.

Total revenues increased 4% to $139.4 million for the second quarter of 2019, compared to $134.2 million in the preceding quarter and increased 10% compared to $126.3 million in the second quarter a year ago. Year-to-date, total revenues increased 11% to $273.6 million compared to $247.0 million for the same period one year earlier. Revenues from core operations* (revenues excluding the net gain and loss on the sale of securities and the net change in valuation of financial instruments) were $139.5 million in the second quarter of 2019, compared to $134.2 million in the preceding quarter and $126.0 million in the second quarter of 2018. In the first six months of the year, revenues from core operations* were $273.7 million, compared to $243.4 million in the first six months of 2018.

Banner’s total non-interest expense was $86.7 million in the second quarter of 2019, compared to $90.0 million in the preceding quarter and $82.6 million in the second quarter of 2018. The decrease in non-interest expense during the current quarter reflects the first full quarter of synergies from the integration and consolidation of the Skagit systems and operations. In addition, the decrease in acquisition-related expenses, which were $301,000 for the second quarter of 2019, compared to $2.1 million for the preceding quarter, contributed to the decrease in non-interest expense for the quarter. There were no acquisition-related expenses for the year ago quarter. Higher loan originations and annual updates to our loan deferred origination cost models resulted in a $2.6 million increase in capitalized loan origination costs, offsetting increases in salary and benefits driven by increased commissions on loan originations. Year-to-date, total non-interest expense was $176.7 million, compared to $164.3 million in the same period a year earlier. Banner’s efficiency ratio improved to 62.22% for the current quarter, compared to 67.06% in the preceding quarter and 65.44% in the year ago quarter. Banner’s adjusted efficiency ratio* was 59.56% for the current quarter, compared to 63.32% in the preceding quarter and 64.09% in the year ago quarter.

For the second quarter of 2019, Banner recorded $11.0 million in state and federal income tax expense for an effective tax rate of 21.6%, reflecting in part the benefits from tax exempt income sources. Banner’s normal, expected statutory income tax rate is 23.7%, representing a blend of the statutory federal income tax rate of 21.0% and apportioned effects of the state income tax rates.

BANR -Second Quarter 2019 Results

July 24, 2019

Page 3

Balance Sheet Review

Total assets increased to $11.85 billion at June 30, 2019, compared to $11.74 billion at March 31, 2019 and $10.38 billion at June 30, 2018. The total of securities and interest-bearing deposits held at other banks was $1.85 billion at June 30, 2019, compared to $1.89 billion at March 31, 2019 and $1.74 billion at June 30, 2018. The average effective duration of Banner's securities portfolio was approximately 2.6 years at June 30, 2019, compared to 4.0 years at June 30, 2018.

Net loans receivable increased modestly to $8.65 billion at June 30, 2019, compared to $8.60 billion at March 31, 2019 and increased 14% when compared to $7.59 billion at June 30, 2018. The year-over-year increase in net loans included $631.7 million of portfolio loans acquired in the Skagit acquisition during the fourth quarter of 2018. Commercial real estate and multifamily real estate loans were $3.95 billion at June 30, 2019, unchanged from March 31, 2019, and increased 13% compared to $3.51 billion a year ago. Commercial business loans increased 5% to $1.60 billion at June 30, 2019, compared to $1.52 billion at March 31, 2019, and increased 22% compared to $1.31 billion a year ago. Agricultural business loans increased by 2% to $380.8 million at June 30, 2019, compared to $373.3 million three months earlier and increased by 13% compared to $336.7 million a year ago. Total construction, land and land development loans decreased slightly to $1.08 billion at June 30, 2019, compared to $1.10 billion at March 31, 2019 and increased 10% compared to $980.4 million a year earlier. Consumer loans increased 2% to $790.0 million at June 30, 2019, compared to $777.4 million at March 31, 2019 and increased 12% compared to $706.8 million a year ago. One- to four-family loans declined modestly to $944.6 million at June 30, 2019, compared to $967.6 million at March 31, 2019 and increased 12% compared to $840.5 million a year ago.

Loans held for sale increased substantially to $170.7 million at June 30, 2019, compared to $45.9 million at March 31, 2019 and $78.8 million at June 30, 2018. The volume of one- to four- family residential mortgage loans sold was $139.0 million in the current quarter, compared to $107.2 million in the preceding quarter and $124.1 million in the second quarter a year ago. During the second quarter of 2019, Banner did not sell any multifamily loans, compared to $149.9 million in the preceding quarter and $135.7 million in the second quarter a year ago.

Total deposits decreased slightly to $9.29 billion at June 30, 2019, compared to $9.38 billion at March 31, 2019 and increased 9% when compared to $8.53 billion a year ago, as the addition of deposits from the Skagit acquisition was partially offset by a $101.0 million decline in the use of brokered certificates of deposit from March 31, 2019 and a $141.7 million decline from a year ago. Non-interest-bearing account balances decreased slightly to $3.67 billion at June 30, 2019, compared to $3.68 billion at March 31, 2019 and increased 10% compared to $3.35 billion a year ago. Core deposits (non-interest-bearing and interest-bearing transaction and savings accounts) increased slightly from the prior quarter and increased 11% compared to a year ago. Core deposits represented 88% of total deposits at June 30, 2019, the same as the prior period and 87% of total deposits a year earlier. Certificates of deposit decreased 8% to $1.07 billion at June 30, 2019, compared to $1.16 billion at March 31, 2019 and decreased 7% compared to $1.15 billion a year earlier. The decrease in certificates of deposit primarily reflects the decrease in brokered deposits to $138.4 million at June 30, 2019, compared to $239.4 million at March 31, 2019 and $280.1 million a year earlier.

At June 30, 2019, total common shareholders' equity was $1.52 billion, or 12.84% of assets, compared to $1.51 billion or 12.87% of assets at March 31, 2019 and $1.25 billion or 12.07% of assets a year ago. At June 30, 2019, tangible common shareholders' equity*, which excludes goodwill and other intangible assets, net, was $1.15 billion, or 10.05% of tangible assets*, compared to $1.14 billion, or 10.04% of tangible assets, at March 31, 2019 and $990.5 million, or 9.79% of tangible assets, a year ago. Banner's tangible book value per share* increased to $33.36 at June 30, 2019, compared to $30.57 per share a year ago.

Banner repurchased 600,000 shares of its common stock in the second quarter of 2019 at an average cost of $53.46 per share. During the first quarter there were no repurchases of common stock. Banner and its subsidiary banks continue to maintain capital levels in excess of the requirements to be categorized as “well-capitalized” under the Basel III and Dodd Frank Act regulatory standards. At June 30, 2019, Banner's common equity Tier 1 capital ratio was 10.98%, its Tier 1 leverage capital to average assets ratio was 10.83%, and its total capital to risk-weighted assets ratio was 13.37%.

Credit Quality

The allowance for loan losses was $98.3 million at June 30, 2019, or 1.12% of total loans receivable outstanding and 534% of non-performing loans compared to $97.3 million at March 31, 2019, or 1.12% of total loans receivable outstanding and 504% of non-performing loans, and $93.9 million at June 30, 2018, or 1.22% of total loans receivable outstanding and 613% of non-performing loans. Net loan charge-offs totaled $1.1 million in the second quarter, compared to net loan charge-offs of $1.2 million in the preceding quarter and net loan charge-offs of $332,000 in the second quarter a year ago. Primarily as a result of the origination of new loans, the renewal of acquired loans out of the discounted acquired loan portfolio and net charge-offs, Banner recorded a $2.0 million provision for loan losses in the current quarter, which was the same amount as recorded in the prior quarter and in the year ago quarter. Non-performing loans were $18.4 million at June 30, 2019, compared to $19.3 million at March 31, 2019 and $15.3 million a year ago. Real estate owned and other repossessed assets were $2.6 million at June 30, 2019, compared to $2.7 million at March 31, 2019 and $1.2 million a year ago. The increase compared to a year ago primarily reflects $2.6 million of real estate owned acquired in the Skagit acquisition.

In accordance with acquisition accounting, loans acquired from acquisitions were recorded at their estimated fair value, which resulted in a net discount to the loans’ contractual amounts, a portion of which reflects a discount for possible credit losses. Credit discounts are included in the determination of fair value, and as a result, no allowance for loan losses is recorded for acquired loans at the acquisition date. At June 30, 2019, the total purchase discount for acquired loans was $22.6 million.

Banner's total non-performing assets were $21.0 million, or 0.18% of total assets, at June 30, 2019, compared to $22.0 million, or 0.19% of total assets, at March 31, 2019, and $16.5 million, or 0.16% of total assets, a year ago. In addition to non-performing assets, there were $12.9 million purchased credit-impaired loans at June 30, 2019, compared to $13.3 million at March 31, 2019, and $18.1 million at June 30, 2018.

BANR -Second Quarter 2019 Results

July 24, 2019

Page 4

Conference Call

Banner will host a conference call on Thursday, July 25, 2019, at 8:00 a.m. PDT, to discuss its second quarter results. To listen to the call on-line, go to www.bannerbank.com. Investment professionals are invited to dial (866) 235-9915 to participate in the call. A replay will be available for one week at (877) 344-7529 using access code 10132624, or at www.bannerbank.com.

About the Company

Banner Corporation is an $11.85 billion bank holding company operating two commercial banks in four Western states through a network of branches offering a full range of deposit services and business, commercial real estate, construction, residential, agricultural and consumer loans. Visit Banner Bank on the Web at www.bannerbank.com.

Forward-Looking Statements

When used in this press release and in other documents filed with or furnished to the Securities and Exchange Commission (the “SEC”), in press releases or other public stockholder communications, or in oral statements made with the approval of an authorized executive officer, the words or phrases "may," “believe,” “will,” “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimate,” “project,” “plans,” "potential," or similar expressions are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. You are cautioned not to place undue reliance on any forward-looking statements, which speak only as of the date such statements are made and based only on information then actually known to Banner. Banner does not undertake and specifically disclaims any obligation to revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. These statements may relate to future financial performance, strategic plans or objectives, revenues or earnings projections, or other financial information. By their nature, these statements are subject to numerous uncertainties that could cause actual results to differ materially from those anticipated in the statements and could negatively affect Banner's operating and stock price performance.

Important factors that could cause actual results to differ materially from the results anticipated or projected include, but are not limited to, the following: (1) expected revenues, cost savings, synergies and other benefits from the Skagit acquisition might not be realized within the expected time frames or at all and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (2) the credit risks of lending activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses, which could necessitate additional provisions for loan losses, resulting both from loans originated and loans acquired from other financial institutions; (3) results of examinations by regulatory authorities, including the possibility that any such regulatory authority may, among other things, require increases in the allowance for loan losses or writing down of assets or impose restrictions or penalties with respect to Banner's activities; (4) competitive pressures among depository institutions; (5) interest rate movements and their impact on customer behavior and net interest margin; (6) the impact of repricing and competitors' pricing initiatives on loan and deposit products; (7) fluctuations in real estate values; (8) the ability to adapt successfully to technological changes to meet customers' needs and developments in the market place; (9) the ability to access cost-effective funding; (10) changes in financial markets; (11) changes in economic conditions in general and in Washington, Idaho, Oregon and California in particular; (12) the costs, effects and outcomes of litigation; (13) legislation or regulatory changes, including but not limited to the impact of the Dodd-Frank Act and regulations adopted thereunder, changes in regulatory capital requirements pursuant to the implementation of the Basel III capital standards, other governmental initiatives affecting the financial services industry and changes in federal and/or state tax laws or interpretations thereof by taxing authorities; (14) changes in accounting principles, policies or guidelines; (15) future acquisitions by Banner of other depository institutions or lines of business; (16) future goodwill impairment due to changes in Banner's business, changes in market conditions, or other factors and (17) other economic, competitive, governmental, regulatory, and technological factors affecting our operations, pricing, products and services; and other risks detailed from time to time in our filings with the Securities and Exchange Commission including our Quarterly Reports on Form 10-Q and our Annual Reports on Form 10-K.

BANR -Second Quarter 2019 Results

July 24, 2019

Page 5



RESULTS OF OPERATIONS	Quarters Ended									Six months ended
(in thousands except shares and per share data)	Jun 30, 2019			Mar 31, 2019			Jun 30, 2018			Jun 30, 2019			Jun 30, 2018

INTEREST INCOME:
Loans receivable	$	117,007		$	115,455		$	99,853		$	232,462		$	193,875
Mortgage-backed securities	9,794			10,507			8,899			20,301			16,230
Securities and cash equivalents	4,037			4,034			3,671			8,071			7,138
	130,838			129,996			112,423			260,834			217,243
INTEREST EXPENSE:
Deposits	9,023			8,643			4,264			17,666			7,622
Federal Home Loan Bank advances	3,370			3,476			1,499			6,846			2,177
Other borrowings	67			60			49			127			119
Junior subordinated debentures	1,683			1,713			1,548			3,396			2,889
	14,143			13,892			7,360			28,035			12,807
Net interest income before provision for loan losses	116,695			116,104			105,063			232,799			204,436
PROVISION FOR LOAN LOSSES	2,000			2,000			2,000			4,000			4,000
Net interest income	114,695			114,104			103,063			228,799			200,436
NON-INTEREST INCOME:
Deposit fees and other service charges	14,046			12,618			11,985			26,664			23,281
Mortgage banking operations	5,936			3,415			4,643			9,351			9,507
Bank-owned life insurance	1,123			1,276			933			2,399			1,785
Miscellaneous	1,713			804			3,388			2,517			4,426
	22,818			18,113			20,949			40,931			38,999
Net (loss) gain on sale of securities	(28		)	1			44			(27		)	48
Net change in valuation of financial instruments carried at fair value	(114		)	11			224			(103		)	3,532
Total non-interest income	22,676			18,125			21,217			40,801			42,579
NON-INTEREST EXPENSE:
Salary and employee benefits	55,629			54,640			51,494			110,269			101,561
Less capitalized loan origination costs	(7,399		)	(4,849		)	(4,733		)	(12,248		)	(8,744		)
Occupancy and equipment	12,681			13,766			11,574			26,447			23,340
Information / computer data services	5,273			5,326			4,564			10,599			8,945
Payment and card processing services	4,041			3,984			3,731			8,025			7,431
Professional and legal expenses	2,336			2,434			3,838			4,770			8,266
Advertising and marketing	2,065			1,529			2,141			3,594			3,971
Deposit insurance	1,418			1,418			1,021			2,836			2,362
State/municipal business and use taxes	1,007			945			816			1,952			1,529
Real estate operations	260			(123		)	(319		)	137			121
Amortization of core deposit intangibles	2,053			2,052			1,382			4,105			2,764
Miscellaneous	7,051			6,744			7,128			13,795			12,797
	86,415			87,866			82,637			174,281			164,343
Acquisition-related expenses	301			2,148			—			2,449			—
Total non-interest expense	86,716			90,014			82,637			176,730			164,343
Income before provision for income taxes	50,655			42,215			41,643			92,870			78,672
PROVISION FOR INCOME TAXES	10,955			8,869			9,219			19,824			17,458
NET INCOME	$	39,700		$	33,346		$	32,424		$	73,046		$	61,214
Earnings per share available to common shareholders:
Basic	$	1.14		$	0.95		$	1.01		$	2.09		$	1.89
Diluted	$	1.14		$	0.95		$	1.00		$	2.09		$	1.89
Cumulative dividends declared per common share	$	0.41		$	0.41		$	0.85		$	0.82		$	1.20
Weighted average common shares outstanding:
Basic	34,831,047			35,050,376			32,250,514			34,940,106			32,323,635
Diluted	34,882,359			35,172,056			32,331,609			35,028,881			32,422,287
Decrease in common shares outstanding	(579,103		)	(30,026		)	(17,977		)	(609,129		)	(320,789		)

BANR -Second Quarter 2019 Results

July 24, 2019

Page 6



FINANCIAL CONDITION													Percentage Change
(in thousands except shares and per share data)	Jun 30, 2019			Mar 31, 2019			Dec 31, 2018			Jun 30, 2018			Prior Qtr		Prior Yr Qtr

ASSETS
Cash and due from banks	$	187,043		$	218,458		$	231,029		$	195,652		(14.4	)%	(4.4	)%
Interest-bearing deposits	59,753			43,080			41,167			53,773			38.7	%	11.1	%
Total cash and cash equivalents	246,796			261,538			272,196			249,425			(5.6	)%	(1.1	)%
Securities - trading	25,741			25,838			25,896			25,640			(0.4	)%	0.4	%
Securities - available for sale	1,561,009			1,603,804			1,636,223			1,400,312			(2.7	)%	11.5	%
Securities - held to maturity	203,222			218,993			234,220			263,176			(7.2	)%	(22.8	)%
Total securities	1,789,972			1,848,635			1,896,339			1,689,128			(3.2	)%	6.0	%
Federal Home Loan Bank stock	34,583			27,063			31,955			19,916			27.8	%	73.6	%
Loans held for sale	170,744			45,865			171,031			78,833			272.3	%	116.6	%
Loans receivable	8,746,550			8,692,657			8,684,595			7,684,732			0.6	%	13.8	%
Allowance for loan losses	(98,254		)	(97,308		)	(96,485		)	(93,875		)	1.0	%	4.7	%
Net loans receivable	8,648,296			8,595,349			8,588,110			7,590,857			0.6	%	13.9	%
Accrued interest receivable	40,238			41,220			38,593			34,004			(2.4	)%	18.3	%
Real estate owned held for sale, net	2,513			2,611			2,611			473			(3.8	)%	431.3	%
Property and equipment, net	171,233			171,057			171,809			153,224			0.1	%	11.8	%
Goodwill	339,154			339,154			339,154			242,659			—	%	39.8	%
Other intangibles, net	28,595			30,647			32,924			19,858			(6.7	)%	44.0	%
Bank-owned life insurance	178,922			178,202			177,467			164,225			0.4	%	8.9	%
Other assets	196,328			198,944			149,128			136,592			(1.3	)%	43.7	%
Total assets	$	11,847,374		$	11,740,285		$	11,871,317		$	10,379,194		0.9	%	14.1	%
LIABILITIES
Deposits:
Non-interest-bearing	$	3,671,995		$	3,676,984		$	3,657,817		$	3,346,777		(0.1	)%	9.7	%
Interest-bearing transaction and savings accounts	4,546,202			4,535,969			4,498,966			4,032,283			0.2	%	12.7	%
Interest-bearing certificates	1,070,770			1,163,276			1,320,265			1,148,607			(8.0	)%	(6.8	)%
Total deposits	9,288,967			9,376,229			9,477,048			8,527,667			(0.9	)%	8.9	%
Advances from Federal Home Loan Bank	606,000			418,000			540,189			239,190			45.0	%	153.4	%
Customer repurchase agreements and other borrowings	118,370			121,719			118,995			112,458			(2.8	)%	5.3	%
Junior subordinated debentures at fair value	113,621			113,917			114,091			112,774			(0.3	)%	0.8	%
Accrued expenses and other liabilities	159,131			158,669			102,061			93,281			0.3	%	70.6	%
Deferred compensation	40,230			40,560			40,338			40,814			(0.8	)%	(1.4	)%
Total liabilities	10,326,319			10,229,094			10,392,722			9,126,184			1.0	%	13.2	%
SHAREHOLDERS' EQUITY
Common stock	1,306,888			1,338,386			1,337,436			1,173,656			(2.4	)%	11.4	%
Retained earnings	178,257			152,911			134,055			84,485			16.6	%	111.0	%
Other components of shareholders' equity	35,910			19,894			7,104			(5,131		)	80.5	%	nm
Total shareholders' equity	1,521,055			1,511,191			1,478,595			1,253,010			0.7	%	21.4	%
Total liabilities and shareholders' equity	$	11,847,374		$	11,740,285		$	11,871,317		$	10,379,194		0.9	%	14.1	%
Common Shares Issued:
Shares outstanding at end of period	34,573,643			35,152,746			35,182,772			32,405,696
Common shareholders' equity per share ⁽¹⁾	$	43.99		$	42.99		$	42.03		$	38.67
Common shareholders' tangible equity per share ^{(1) (2)}	$	33.36		$	32.47		$	31.45		$	30.57
Common shareholders' tangible equity to tangible assets ⁽²⁾	10.05		%	10.04		%	9.62		%	9.79		%
Consolidated Tier 1 leverage capital ratio	10.83		%	10.73		%	10.98		%	10.80		%



(1)	Calculation is based on number of common shares outstanding at the end of the period rather than weighted average shares outstanding.
(2)	Common shareholders' tangible equity excludes goodwill and other intangible assets. Tangible assets exclude goodwill and other intangible assets. These ratios represent non-GAAP financial measures. See also Non-GAAP Financial Measures reconciliation tables on the last two pages of the press release tables.

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July 24, 2019

Page 7



ADDITIONAL FINANCIAL INFORMATION
(dollars in thousands)
													Percentage Change
LOANS	Jun 30, 2019			Mar 31, 2019			Dec 31, 2018			Jun 30, 2018			Prior Qtr		Prior Yr Qtr

Commercial real estate:
Owner occupied	$	1,433,995		$	1,442,724		$	1,430,097		$	1,256,730		(0.6	)%	14.1	%
Investment properties	2,116,306			2,124,049			2,131,059			1,920,790			(0.4	)%	10.2	%
Multifamily real estate	402,241			387,142			368,836			330,384			3.9	%	21.7	%
Commercial construction	172,931			181,888			172,410			166,089			(4.9	)%	4.1	%
Multifamily construction	189,160			183,203			184,630			147,576			3.3	%	28.2	%
One- to four-family construction	503,061			514,468			534,678			480,591			(2.2	)%	4.7	%
Land and land development:
Residential	187,180			187,660			188,508			163,335			(0.3	)%	14.6	%
Commercial	27,470			28,928			27,278			22,849			(5.0	)%	20.2	%
Commercial business	1,598,788			1,524,298			1,483,614			1,312,424			4.9	%	21.8	%
Agricultural business including secured by farmland	380,805			373,322			404,873			336,709			2.0	%	13.1	%
One- to four-family real estate	944,617			967,581			973,616			840,470			(2.4	)%	12.4	%
Consumer:
Consumer secured by one- to four-family real estate	575,658			564,872			568,979			536,007			1.9	%	7.4	%
Consumer-other	214,338			212,522			216,017			170,778			0.9	%	25.5	%
Total loans receivable	$	8,746,550		$	8,692,657		$	8,684,595		$	7,684,732		0.6	%	13.8	%
Restructured loans performing under their restructured terms	$	6,594		$	13,036		$	13,422		$	13,793
Loans 30 - 89 days past due and on accrual ⁽¹⁾	$	17,923		$	28,972		$	25,108		$	8,040
Total delinquent loans (including loans on non-accrual), net ⁽²⁾	$	34,749		$	46,616		$	38,721		$	22,620
Total delinquent loans / Total loans receivable	0.40		%	0.54		%	0.45		%	0.29		%

⁽¹⁾ Includes $21,000 of purchased credit-impaired loans at June 30, 2019 compared to $3,000 at December 31, 2018 and $6,000 at June 30, 2018.

⁽²⁾ Delinquent loans include $330,000 of delinquent purchased credit-impaired loans at June 30, 2019 compared to $519,000 at December 31, 2018 and $1.0 million at June 30, 2018.



LOANS BY GEOGRAPHIC LOCATION										Percentage Change
	Jun 30, 2019			Mar 31, 2019		Dec 31, 2018		Jun 30, 2018		Prior Qtr		Prior Yr Qtr
	Amount		Percentage	Amount		Amount		Amount

Washington	$	4,293,854	49.1%	$	4,329,759	$	4,324,588	$	3,550,945	(0.8	)%	20.9	%
Oregon	1,628,102		18.6%	1,639,427		1,636,152		1,601,939		(0.7	)%	1.6	%
California	1,659,326		19.0%	1,581,654		1,596,604		1,477,293		4.9	%	12.3	%
Idaho	548,189		6.3%	524,705		521,026		500,201		4.5	%	9.6	%
Utah	62,944		0.7%	59,940		57,318		76,414		5.0	%	(17.6	)%
Other	554,135		6.3%	557,172		548,907		477,940		(0.5	)%	15.9	%
Total loans receivable	$	8,746,550	100.0%	$	8,692,657	$	8,684,595	$	7,684,732	0.6	%	13.8	%

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July 24, 2019

Page 8

ADDITIONAL FINANCIAL INFORMATION

(dollars in thousands)

The following table shows loan originations (excluding loans held for sale) activity for the quarters ending June 30, 2019, March 31, 2019, and June 30, 2018 and the six months ending June 30, 2019 and June 30, 2018 (in thousands):



LOAN ORIGINATIONS	Quarters Ended						Six Months Ended
	Jun 30, 2019		Mar 31, 2019		Jun 30, 2018		Jun 30, 2019		Jun 30, 2018
Commercial real estate	$	81,361	$	94,196	$	155,781	$	175,557	$	221,506
Multifamily real estate	21,651		7,617		6,090		29,267		6,825
Construction and land	368,224		233,494		361,427		601,718		692,350
Commercial business	241,134		125,912		195,909		367,046		328,896
Agricultural business	20,702		32,059		41,480		52,761		68,054
One-to four-family residential	26,210		31,789		26,416		57,999		44,351
Consumer	119,970		63,774		114,289		183,743		184,822
Total loan originations (excluding loans held for sale)	$	879,252	$	588,841	$	901,392	$	1,468,091	$	1,546,804

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ADDITIONAL FINANCIAL INFORMATION
(dollars in thousands)
	Quarters Ended									Six months ended
CHANGE IN THE	Jun 30, 2019			Mar 31, 2019			Jun 30, 2018			Jun 30, 2019			Jun 30, 2018
ALLOWANCE FOR LOAN LOSSES
Balance, beginning of period	$	97,308		$	96,485		$	92,207		$	96,485		$	89,028
Provision for loan losses	2,000			2,000			2,000			4,000			4,000
Recoveries of loans previously charged off:
Commercial real estate	149			21			216			170			1,568
Construction and land	30			22			11			52			185
One- to four-family real estate	230			43			356			273			646
Commercial business	215			23			100			238			270
Agricultural business, including secured by farmland	35			—			41			35			41
Consumer	223			110			106			333			218
	882			219			830			1,101			2,928
Loans charged off:
Commercial real estate	(393		)	(431		)	(299		)	(824		)	(299		)
One- to four-family real estate	—			—			—			—			(16		)
Commercial business	(802		)	(590		)	(375		)	(1,392		)	(894		)
Agricultural business, including secured by farmland	(162		)	(4		)	(329		)	(166		)	(336		)
Consumer	(579		)	(371		)	(159		)	(950		)	(536		)
	(1,936		)	(1,396		)	(1,162		)	(3,332		)	(2,081		)
Net (charge-offs) recoveries	(1,054		)	(1,177		)	(332		)	(2,231		)	847
Balance, end of period	$	98,254		$	97,308		$	93,875		$	98,254		$	93,875
Net (charge-offs) recoveries / Average loans receivable	(0.012		)%	(0.013		)%	(0.004		)%	(0.025		)%	0.011		%



ALLOCATION OF
ALLOWANCE FOR LOAN LOSSES	Jun 30, 2019			Mar 31, 2019			Dec 31, 2018			Jun 30, 2018
Specific or allocated loss allowance:
Commercial real estate	$	26,730		$	27,091		$	27,132		$	24,413
Multifamily real estate	4,344			4,020			3,818			3,718
Construction and land	23,554			23,713			24,442			27,034
One- to four-family real estate	4,701			4,711			4,714			3,932
Commercial business	19,557			18,662			19,438			19,141
Agricultural business, including secured by farmland	3,691			3,596			3,778			3,162
Consumer	8,452			7,980			7,972			5,725
Total allocated	91,029			89,773			91,294			87,125
Unallocated	7,225			7,535			5,191			6,750
Total allowance for loan losses	$	98,254		$	97,308		$	96,485		$	93,875
Allowance for loan losses / Total loans receivable	1.12		%	1.12		%	1.11		%	1.22		%
Allowance for loan losses / Non-performing loans	534		%	504		%	616		%	613		%

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July 24, 2019

Page 10



ADDITIONAL FINANCIAL INFORMATION
(dollars in thousands)
	Jun 30, 2019			Mar 31, 2019			Dec 31, 2018			Jun 30, 2018
NON-PERFORMING ASSETS
Loans on non-accrual status:
Secured by real estate:
Commercial	$	4,603		$	5,734		$	4,088		$	4,341
Construction and land	2,214			3,036			3,188			1,176
One- to four-family	2,665			1,538			1,544			2,281
Commercial business	2,983			3,614			2,936			2,673
Agricultural business, including secured by farmland	1,359			2,507			1,751			1,712
Consumer	3,230			2,181			1,241			1,176
	17,054			18,610			14,748			13,359
Loans more than 90 days delinquent, still on accrual:
Secured by real estate:
Construction and land	262			—			—			784
One- to four-family	995			640			658			905
Commercial business	1			1			1			1
Consumer	97			42			247			253
	1,355			683			906			1,943
Total non-performing loans	18,409			19,293			15,654			15,302
Real estate owned (REO)	2,513			2,611			2,611			473
Other repossessed assets	112			50			592			733
Total non-performing assets	$	21,034		$	21,954		$	18,857		$	16,508
Total non-performing assets to total assets	0.18		%	0.19		%	0.16		%	0.16		%
Purchased credit-impaired loans, net	$	12,945		$	13,330		$	14,413		$	18,063



	Quarters Ended								Six months ended
REAL ESTATE OWNED	Jun 30, 2019			Mar 31, 2019		Jun 30, 2018			Jun 30, 2019			Jun 30, 2018
Balance, beginning of period	$	2,611		$	2,611	$	328		$	2,611		$	360
Additions from loan foreclosures	61			—		393			61			521
Proceeds from dispositions of REO	(150		)	—		(314		)	(150		)	(314		)
Gain on sale of REO	(9		)	—		66			(9		)	66
Valuation adjustments in the period	—			—		—			—			(160		)
Balance, end of period	$	2,513		$	2,611	$	473		$	2,513		$	473

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ADDITIONAL FINANCIAL INFORMATION
(dollars in thousands)

DEPOSIT COMPOSITION									Percentage Change
	Jun 30, 2019		Mar 31, 2019		Dec 31, 2018		Jun 30, 2018		Prior Qtr		Prior Yr Qtr

Non-interest-bearing	$	3,671,995	$	3,676,984	$	3,657,817	$	3,346,777	(0.1	)%	9.7	%
Interest-bearing checking	1,187,035		1,174,169		1,191,016		1,012,519		1.1	%	17.2	%
Regular savings accounts	1,848,048		1,865,852		1,842,581		1,635,080		(1.0	)%	13.0	%
Money market accounts	1,511,119		1,495,948		1,465,369		1,384,684		1.0	%	9.1	%
Total interest-bearing transaction and savings accounts	4,546,202		4,535,969		4,498,966		4,032,283		0.2	%	12.7	%
Total core deposits	8,218,197		8,212,953		8,156,783		7,379,060		0.1	%	11.4	%
Interest-bearing certificates	1,070,770		1,163,276		1,320,265		1,148,607		(8.0	)%	(6.8	)%
Total deposits	$	9,288,967	$	9,376,229	$	9,477,048	$	8,527,667	(0.9	)%	8.9	%



GEOGRAPHIC CONCENTRATION OF DEPOSITS										Percentage Change
	Jun 30, 2019			Mar 31, 2019		Dec 31, 2018		Jun 30, 2018		Prior Qtr		Prior Yr Qtr
	Amount		Percentage	Amount		Amount		Amount
Washington	$	5,503,280	59.2%	$	5,604,567	$	5,674,328	$	4,735,357	(1.8	)%	16.2	%
Oregon	1,919,051		20.7%	1,906,132		1,891,145		1,886,435		0.7	%	1.7	%
California	1,399,137		15.1%	1,402,213		1,434,033		1,444,413		(0.2	)%	(3.1	)%
Idaho	467,499		5.0%	463,317		477,542		461,462		0.9	%	1.3	%
Total deposits	$	9,288,967	100.0%	$	9,376,229	$	9,477,048	$	8,527,667	(0.9	)%	8.9	%



INCLUDED IN TOTAL DEPOSITS	Jun 30, 2019		Mar 31, 2019		Dec 31, 2018		Jun 30, 2018
Public non-interest-bearing accounts	$	102,348	$	92,122	$	96,009	$	86,040
Public interest-bearing transaction & savings accounts	121,262		118,033		121,392		114,457
Public interest-bearing certificates	28,656		29,572		30,089		24,390
Total public deposits	$	252,266	$	239,727	$	247,490	$	224,887
Total brokered deposits	$	138,395	$	239,444	$	377,347	$	280,055

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July 24, 2019

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ADDITIONAL FINANCIAL INFORMATION
(dollars in thousands)
	Actual				Minimum to be categorized as "Adequately Capitalized"				Minimum to be categorized as "Well Capitalized"
REGULATORY CAPITAL RATIOS AS OF JUNE 30, 2019	Amount		Ratio		Amount		Ratio		Amount		Ratio

Banner Corporation-consolidated:
Total capital to risk-weighted assets	$	1,327,875	13.37	%	$	794,575	8.00	%	$	993,218	10.00	%
Tier 1 capital to risk-weighted assets	1,227,022		12.35	%	595,931		6.00	%	595,931		6.00	%
Tier 1 leverage capital to average assets	1,227,022		10.83	%	453,256		4.00	%	n/a		n/a
Common equity tier 1 capital to risk-weighted assets	1,091,022		10.98	%	446,948		4.50	%	n/a		n/a
Banner Bank:
Total capital to risk-weighted assets	1,236,298		12.69	%	779,191		8.00	%	973,989		10.00	%
Tier 1 capital to risk-weighted assets	1,137,866		11.68	%	584,393		6.00	%	779,191		8.00	%
Tier 1 leverage capital to average assets	1,137,866		10.30	%	442,043		4.00	%	552,553		5.00	%
Common equity tier 1 capital to risk-weighted assets	1,137,866		11.68	%	438,295		4.50	%	633,093		6.50	%
Islanders Bank:
Total capital to risk-weighted assets	35,804		18.80	%	15,239		8.00	%	19,049		10.00	%
Tier 1 capital to risk-weighted assets	33,422		17.54	%	11,430		6.00	%	15,239		8.00	%
Tier 1 leverage capital to average assets	33,422		12.00	%	11,143		4.00	%	13,929		5.00	%
Common equity tier 1 capital to risk-weighted assets	33,422		17.54	%	8,572		4.50	%	12,382		6.50	%

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ADDITIONAL FINANCIAL INFORMATION
(dollars in thousands)
(rates / ratios annualized)

ANALYSIS OF NET INTEREST SPREAD	Quarters Ended
	June 30, 2019						March 31, 2019						June 30, 2018
	Average Balance		Interest and Dividends		Yield / Cost⁽³⁾		Average Balance		Interest and Dividends		Yield / Cost⁽³⁾		Average Balance		Interest and Dividends		Yield / Cost⁽³⁾
Interest-earning assets:
Held for sale loans	$	47,663	$	567	4.77	%	$	98,005	$	1,121	4.64	%	$	112,664	$	1,295	4.61	%
Mortgage loans	6,800,802		89,682		5.29	%	6,833,933		88,602		5.26	%	6,050,560		76,908		5.10	%
Commercial/agricultural loans	1,769,603		23,924		5.42	%	1,703,503		22,812		5.43	%	1,479,148		19,381		5.26	%
Consumer and other loans	179,693		2,834		6.33	%	183,451		2,920		6.46	%	141,401		2,269		6.44	%
Total loans⁽¹⁾	8,797,761		117,007		5.33	%	8,818,892		115,455		5.31	%	7,783,773		99,853		5.15	%
Mortgage-backed securities	1,354,048		9,794		2.90	%	1,392,118		10,507		3.06	%	1,261,809		8,899		2.83	%
Other securities	448,721		3,310		2.96	%	484,134		3,479		2.91	%	473,953		3,331		2.82	%
Interest-bearing deposits with banks	53,955		340		2.53	%	44,757		289		2.62	%	51,886		211		1.63	%
FHLB stock	30,902		387		5.02	%	31,761		266		3.40	%	22,231		129		2.33	%
Total investment securities	1,887,626		13,831		2.94	%	1,952,770		14,541		3.02	%	1,809,879		12,570		2.79	%
Total interest-earning assets	10,685,387		130,838		4.91	%	10,771,662		129,996		4.89	%	9,593,652		112,423		4.70	%
Non-interest-earning assets	1,048,811						1,031,591						804,229
Total assets	$	11,734,198					$	11,803,253					$	10,397,881
Deposits:
Interest-bearing checking accounts	$	1,177,534	564		0.19	%	$	1,153,949	475		0.17	%	$	1,051,409	281		0.11	%
Savings accounts	1,851,913		2,119		0.46	%	1,854,123		1,920		0.42	%	1,648,739		811		0.20	%
Money market accounts	1,497,717		2,656		0.71	%	1,490,326		2,251		0.61	%	1,419,578		792		0.22	%
Certificates of deposit	1,105,844		3,684		1.34	%	1,253,613		3,997		1.29	%	1,067,742		2,380		0.89	%
Total interest-bearing deposits	5,633,008		9,023		0.64	%	5,752,011		8,643		0.61	%	5,187,468		4,264		0.33	%
Non-interest-bearing deposits	3,652,096		—		—	%	3,605,922		—		—	%	3,324,104		—		—	%
Total deposits	9,285,104		9,023		0.39	%	9,357,933		8,643		0.37	%	8,511,572		4,264		0.20	%
Other interest-bearing liabilities:
FHLB advances	514,703		3,370		2.63	%	534,238		3,476		2.64	%	296,495		1,499		2.03	%
Other borrowings	122,455		67		0.22	%	118,008		60		0.21	%	105,013		49		0.19	%
Junior subordinated debentures	140,212		1,683		4.81	%	140,212		1,713		4.95	%	140,212		1,548		4.43	%
Total borrowings	777,370		5,120		2.64	%	792,458		5,249		2.69	%	541,720		3,096		2.29	%
Total funding liabilities	10,062,474		14,143		0.56	%	10,150,391		13,892		0.56	%	9,053,292		7,360		0.33	%
Other non-interest-bearing liabilities⁽²⁾	151,436						151,937						75,784
Total liabilities	10,213,910						10,302,328						9,129,076
Shareholders' equity	1,520,288						1,500,925						1,268,805
Total liabilities and shareholders' equity	$	11,734,198					$	11,803,253					$	10,397,881
Net interest income/rate spread			$	116,695	4.35	%			$	116,104	4.33	%			$	105,063	4.37	%
Net interest margin					4.38	%					4.37	%					4.39	%
Additional Key Financial Ratios:
Return on average assets					1.36	%					1.15	%					1.25	%
Return on average equity					10.47	%					9.01	%					10.25	%
Average equity/average assets					12.96	%					12.72	%					12.20	%
Average interest-earning assets/average interest-bearing liabilities					166.69	%					164.59	%					167.45	%
Average interest-earning assets/average funding liabilities					106.19	%					106.12	%					105.97	%
Non-interest income/average assets					0.78	%					0.62	%					0.82	%
Non-interest expense/average assets					2.96	%					3.09	%					3.19	%
Efficiency ratio⁽⁴⁾					62.22	%					67.06	%					65.44	%
Adjusted efficiency ratio⁽⁵⁾					59.56	%					63.32	%					64.09	%



₍₁₎	Average balances include loans accounted for on a nonaccrual basis and loans 90 days or more past due. Amortization of net deferred loan fees/costs is included with interest on loans.
₍₂₎	Average other non-interest-bearing liabilities include fair value adjustments related to FHLB advances and junior subordinated debentures.
₍₃₎	Yields and costs have not been adjusted for the effect of tax-exempt interest.
₍₄₎	Non-interest expense divided by the total of net interest income (before provision for loan losses) and non-interest income.
₍₅₎	Adjusted non-interest expense divided by adjusted revenue. Adjusted revenue excludes net gain (loss) on sale of securities and fair value adjustments. Adjusted non-interest expense excludes acquisition-related expenses, amortization of core deposit intangibles (CDI), REO gain (loss), and state/municipal business and use taxes. These represent non-GAAP financial measures. See also Non-GAAP Financial Measures reconciliation tables on the last two pages of this press release.

BANR -Second Quarter 2019 Results

July 24, 2019

Page 14



ADDITIONAL FINANCIAL INFORMATION
(dollars in thousands)
(rates / ratios annualized)

ANALYSIS OF NET INTEREST SPREAD	Six months ended
	June 30, 2019						June 30, 2018
	Average Balance		Interest and Dividends		Yield/Cost⁽³⁾		Average Balance		Interest and Dividends		Yield/Cost⁽³⁾
Interest-earning assets:
Held for sale loans	$	72,694	$	1,688	4.68	%	$	85,815	$	1,976	4.64	%
Mortgage loans	6,817,276		178,284		5.27	%	6,028,667		150,573		5.04	%
Commercial/agricultural loans	1,736,735		46,736		5.43	%	1,467,789		36,803		5.06	%
Consumer and other loans	181,562		5,754		6.39	%	141,016		4,523		6.47	%
Total loans⁽¹⁾	8,808,267		232,462		5.32	%	7,723,287		193,875		5.06	%
Mortgage-backed securities	1,372,978		20,301		2.98	%	1,160,407		16,230		2.82	%
Other securities	466,330		6,789		2.94	%	468,480		6,420		2.76	%
Interest-bearing deposits with banks	49,382		629		2.57	%	58,164		442		1.53	%
FHLB stock	31,329		653		4.20	%	19,406		276		2.87	%
Total investment securities	1,920,019		28,372		2.98	%	1,706,457		23,368		2.76	%
Total interest-earning assets	10,728,286		260,834		4.90	%	9,429,744		217,243		4.65	%
Non-interest-earning assets	1,040,248						804,862
Total assets	$	11,768,534					$	10,234,606
Deposits:
Interest-bearing checking accounts	$	1,165,807	1,039		0.18	%	$	1,027,800	527		0.10	%
Savings accounts	1,853,012		4,039		0.44	%	1,625,335		1,438		0.18	%
Money market accounts	1,494,042		4,907		0.66	%	1,431,068		1,458		0.21	%
Certificates of deposit	1,179,320		7,681		1.31	%	1,033,431		4,199		0.82	%
Total interest-bearing deposits	5,692,181		17,666		0.63	%	5,117,634		7,622		0.30	%
Non-interest-bearing deposits	3,629,136		—		—	%	3,303,509		—		—	%
Total deposits	9,321,317		17,666		0.38	%	8,421,143		7,622		0.18	%
Other interest-bearing liabilities:
FHLB advances	524,417		6,846		2.63	%	226,407		2,177		1.94	%
Other borrowings	120,243		127		0.21	%	103,073		119		0.23	%
Junior subordinated debentures	140,212		3,396		4.88	%	140,212		2,889		4.16	%
Total borrowings	784,872		10,369		2.66	%	469,692		5,185		2.23	%
Total funding liabilities	10,106,189		28,035		0.56	%	8,890,835		12,807		0.29	%
Other non-interest-bearing liabilities⁽²⁾	151,685						70,908
Total liabilities	10,257,874						8,961,743
Shareholders' equity	1,510,660						1,272,863
Total liabilities and shareholders' equity	$	11,768,534					$	10,234,606
Net interest income/rate spread			$	232,799	4.34	%			$	204,436	4.36	%
Net interest margin					4.38	%					4.37	%
Additional Key Financial Ratios:
Return on average assets					1.25	%					1.21	%
Return on average equity					9.75	%					9.70	%
Average equity/average assets					12.84	%					12.44	%
Average interest-earning assets/average interest-bearing liabilities					165.64	%					168.77	%
Average interest-earning assets/average funding liabilities					106.16	%					106.06	%
Non-interest income/average assets					0.70	%					0.84	%
Non-interest expense/average assets					3.03	%					3.24	%
Efficiency ratio⁽⁴⁾					64.59	%					66.53	%
Adjusted efficiency ratio⁽⁵⁾					61.41	%					65.70	%



⁽¹⁾	Average balances include loans accounted for on a nonaccrual basis and loans 90 days or more past due. Amortization of net deferred loan fees/costs is included with interest on loans.
₍₂₎	Average other non-interest-bearing liabilities include fair value adjustments related to FHLB advances and junior subordinated debentures.
₍₃₎	Yields and costs have not been adjusted for the effect of tax-exempt interest.
₍₄₎	Non-interest expense divided by the total of net interest income (before provision for loan losses) and non-interest income.
⁽⁵⁾	Adjusted non-interest expense divided by adjusted revenue. Adjusted revenue excludes net gain (loss) on sale of securities and fair value adjustments. Adjusted non-interest expense excludes acquisition-related expenses, amortization of CDI, REO gain (loss), and state/municipal business and use taxes. These represent non-GAAP financial measures. See also Non-GAAP Financial Measures reconciliation tables on the last two pages of this press release.

BANR -Second Quarter 2019 Results

July 24, 2019

Page 15



ADDITIONAL FINANCIAL INFORMATION
(dollars in thousands)

* Non-GAAP Financial Measures
In addition to results presented in accordance with generally accepted accounting principles in the United States of America (GAAP), this press release contains certain non-GAAP financial measures. Management has presented these non-GAAP financial measures in this earnings release because it believes that they provide useful and comparative information to assess trends in Banner's core operations reflected in the current quarter's results and facilitate the comparison of our performance with the performance of our peers. However, these non-GAAP financial measures are supplemental and are not a substitute for any analysis based on GAAP. Where applicable, comparable earnings information using GAAP financial measures is also presented. Because not all companies use the same calculations, our presentation may not be comparable to other similarly titled measures as calculated by other companies. For a reconciliation of these non-GAAP financial measures, see the tables below:

REVENUE FROM CORE OPERATIONS	Quarters Ended								Six months ended
	Jun 30, 2019		Mar 31, 2019			Jun 30, 2018			Jun 30, 2019		Jun 30, 2018
Net interest income before provision for loan losses	$	116,695	$	116,104		$	105,063		$	232,799	$	204,436
Total non-interest income	22,676		18,125			21,217			40,801		42,579
Total GAAP revenue	139,371		134,229			126,280			273,600		247,015
Exclude net loss (gain) on sale of securities	28		(1		)	(44		)	27		(48		)
Exclude net change in valuation of financial instruments carried at fair value	114		(11		)	(224		)	103		(3,532		)
Revenue from core operations (non-GAAP)	$	139,513	$	134,217		$	126,012		$	273,730	$	243,435



EARNINGS FROM CORE OPERATIONS	Quarters Ended									Six months ended
	Jun 30, 2019			Mar 31, 2019			Jun 30, 2018			Jun 30, 2019			Jun 30, 2018
Net income (GAAP)	$	39,700		$	33,346		$	32,424		$	73,046		$	61,214
Exclude net loss (gain) on sale of securities	28			(1		)	(44		)	27			(48		)
Exclude net change in valuation of financial instruments carried at fair value	114			(11		)	(224		)	103			(3,532		)
Exclude acquisition-related expenses	301			2,148			—			2,449			—
Exclude related tax (benefit) expense	(106		)	(513		)	64			(619		)	859
Total earnings from core operations (non-GAAP)	$	40,037		$	34,969		$	32,220		$	75,006		$	58,493

Diluted earnings per share (GAAP)	$	1.14		$	0.95		$	1.00		$	2.09		$	1.89
Diluted core earnings per share (non-GAAP)	$	1.15		$	0.99		$	1.00		$	2.14		$	1.80

BANR -Second Quarter 2019 Results

July 24, 2019

Page 16



ADDITIONAL FINANCIAL INFORMATION
(dollars in thousands)
ADJUSTED EFFICIENCY RATIO	Quarters Ended									Six months ended
	Jun 30, 2019			Mar 31, 2019			Jun 30, 2018			Jun 30, 2019			Jun 30, 2018
Non-interest expense (GAAP)	$	86,716		$	90,014		$	82,637		$	176,730		$	164,343
Exclude acquisition-related expenses	(301		)	(2,148		)	—			(2,449		)	—
Exclude CDI amortization	(2,053		)	(2,052		)	(1,382		)	(4,105		)	(2,764		)
Exclude state/municipal tax expense	(1,007		)	(945		)	(816		)	(1,952		)	(1,529		)
Exclude REO (loss) gain	(260		)	123			319			(137		)	(121		)
Adjusted non-interest expense (non-GAAP)	$	83,095		$	84,992		$	80,758		$	168,087		$	159,929

Net interest income before provision for loan losses (GAAP)	$	116,695		$	116,104		$	105,063		$	232,799		$	204,436
Non-interest income (GAAP)	22,676			18,125			21,217			40,801			42,579
Total revenue	139,371			134,229			126,280			273,600			247,015
Exclude net loss (gain) on sale of securities	28			(1		)	(44		)	27			(48		)
Exclude net change in valuation of financial instruments carried at fair value	114			(11		)	(224		)	103			(3,532		)
Revenue from core operations (non-GAAP)	$	139,513		$	134,217		$	126,012		$	273,730		$	243,435

Efficiency ratio (GAAP)	62.22		%	67.06		%	65.44		%	64.59		%	66.53		%
Adjusted efficiency ratio (non-GAAP)	59.56		%	63.32		%	64.09		%	61.41		%	65.70		%



TANGIBLE COMMON SHAREHOLDERS' EQUITY TO TANGIBLE ASSETS	Jun 30, 2019			Mar 31, 2019			Dec 31, 2018			Jun 30, 2018
Shareholders' equity (GAAP)	$	1,521,055		$	1,511,191		$	1,478,595		$	1,253,010
Exclude goodwill and other intangible assets, net	367,749			369,801			372,078			262,517
Tangible common shareholders' equity (non-GAAP)	$	1,153,306		$	1,141,390		$	1,106,517		$	990,493

Total assets (GAAP)	$	11,847,374		$	11,740,285		$	11,871,317		$	10,379,194
Exclude goodwill and other intangible assets, net	367,749			369,801			372,078			262,517
Total tangible assets (non-GAAP)	$	11,479,625		$	11,370,484		$	11,499,239		$	10,116,677
Common shareholders' equity to total assets (GAAP)	12.84		%	12.87		%	12.46		%	12.07		%
Tangible common shareholders' equity to tangible assets (non-GAAP)	10.05		%	10.04		%	9.62		%	9.79		%

TANGIBLE COMMON SHAREHOLDERS' EQUITY PER SHARE
Tangible common shareholders' equity (non-GAAP)	$	1,153,306		$	1,141,390		$	1,106,517		$	990,493
Common shares outstanding at end of period	34,573,643			35,152,746			35,182,772			32,405,696
Common shareholders' equity (book value) per share (GAAP)	$	43.99		$	42.99		$	42.03		$	38.67
Tangible common shareholders' equity (tangible book value) per share (non-GAAP)	$	33.36		$	32.47		$	31.45		$	30.57

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