• • • • • • • • • •

ACL - Loans 141.5 0.2 (0.2) (0.8) 0.8 141.5 ACL - Unfunded Commitments 14.7 (0.3) (1.0) 0.0 (1.3) 13.4 ACL - HTM Securities 0.4 (0.0) (0.0) 0.0 (0.0) 0.4 Total ACL 156.6 (0.0) (1.3) (0.8) (0.5) 155.3 $156.6 $155.3

PRE-TAX PRE-PROVISION EARNINGS Mar 31, 2023 Dec 31, 2022 Mar 31, 2022 Income before provision for income taxes (GAAP) 68,492$ 66,424$ 53,847$ (Recapture)/Provision for credit losses (524) 6,704 (6,961) Pretax pre provision earnings (non-GAAP) 67,968 73,128 46,886 Exclude net loss (gain) on sale of securities 7,252 3,721 (435) Exclude net change in valuation of financial instruments carried at fair value 552 (157) (49) Exclude Banner Forward expenses 143 838 2,465 Exclude loss on extinguishment of debt - - 793 Adjusted pretax pre provision earnings (non-GAAP) 75,915$ 77,530$ 49,660$ Quarters Ended