Cont'd from Southwest Bank Data Enter the Bank Name Here [- H I S T O R I C A L -] [- H I S T O R I C A L -] [- H I S T O R I C A L -] Enter analysts name here 2017 2018 2019 FINANCIAL RATIOS % Ratios % Ratios % Ratios UPBR Peer Profitability Ratios Summary Ratios Net Income / Total Equity (ROE) 8.69% 13.52% 14.59% 14.64% 11.43% Net Income / Avg. Total Assets (ROA) 1.25% 1.80% 1.79% 1.79% 1.27% Total Assets / Total Capital (Eq. multi) 7.44x 8.10x 8.95x 8.24x 9.06x Total expenses (less Taxes) / Avg. TA (ER*) 6.46% 6.21% 5.95% 5.95% 6.51% Total Revenue / Avg. Total Assets (AU) 8.40% 8.14% 7.76% 7.76% 8.36% Memo: Net Income / Total Revenue (PM) 14.93% 22.08% 23.10% 23.07% 15.19% Earning Assets % Total Assets (EB) 95.17% 95.26% 95.42% 91.35% 93.75% Net interest margin (te) 4.61% 4.29% 3.71% 4.27% 4.39% Spread (te) 3.67% 3.34% 2.82% Efficiency Ratio 57.18% 57.86% 58.44% 58.33% 57.08% Burden / Avg. Total Assets -2.53% -2.39% -2.05% -2.05% -2.07% Non Interest Income / Noninterest exp. 13.08% 13.46% 20.76% 20.85% 24.45% EXPENSES: % TR % Avg. TA % TR % Avg. TA % TR % Avg. TA Expense ratio components (ER*) 1.94% 6.46% 1.93% 6.21% 1.80% 5.95% 5.95% 6.51% Total Interest expense % of Avg. TA 39.38% 3.31% 41.31% 3.36% 42.83% 3.32% 3.32% 3.56% Average interest cost of liabilities (rate): 4.18% 4.23% 4.06% 4.51% 4.60% Avg. rate of Interest on CD's over $100M 4.82% 3.97% 4.67% 5.52% 5.50% Avg. rate on Total deposits 3.58% 3.58% 3.42% 4.51% 4.56% Avg. rate on Core Deposits 3.37% 3.50% 3.15% Avg. rate on All other deposits 3.37% 3.50% 3.15% 4.83% 5.54% Avg. rate on Deposits held in foreign offices #N/A #N/A #N/A Avg. rate on Fed funds purchased & resale #N/A #N/A #N/A Avg. rate on Other borrowings inc mat < 1 yr 1.80% 4.60% 3.57% 2.94% 3.07% Avg. rate on Sub. Notes & Debentures #N/A #N/A #N/A Composition of Liabilities (% of EOP TA): 86.56% 87.65% 88.83% 87.87% 88.96% Deposits: 85.82% 86.96% 88.14% 86.89% 85.31% Demand deposits 12.54% 13.38% 13.91% 13.55% 10.86% All NOW & ATS Accounts 7.59% 7.63% 7.59% 5.22% 12.99% Money market deposit accounts 26.17% 27.40% 28.48% 27.87% 8.08% Other savings deposits 3.72% 3.42% 3.16% 3.34% 7.63% Time deposits under $100M 23.15% 20.40% 19.50% 20.10% 34.34% Core deposits 73.17% 72.23% 72.65% 73.07% 73.89% Large certificates of dep (inc. brokered) 12.65% 14.73% 15.49% 13.82% 11.42% Deposits held in foreign offices 0.00% 0.00% 0.00% Fed funds purchased & resale 0.00% 0.00% 0.00% 0.00% 0.90% Other borrowings inc mat < 1 yr 0.39% 0.19% 0.21% 0.20% 0.42% Memo: S.T. non Core (Volatile) funding 13.04% 14.91% 15.70% 13.80% 11.04% Other borrowings inc mat > 1 yr 0.00% 0.00% 0.00% 0.00% 1.47% Acceptances & other liabilities 0.35% 0.51% 0.48% 0.77% 0.86% Sub. Notes & Debentures 0.00% 0.00% 0.00% 0.00% 0.00% All common and preferred capital 13.44% 12.35% 11.17% 12.13% 11.04% Interest bearing debt / Tot Assets 73.67% 73.76% 74.44% 73.71% 77.39% % TR % Avg. TA % TR % Avg. TA % TR % Avg. TA Noninterest Expenses 34.66% 2.91% 33.95% 2.76% 33.41% 2.59% 2.59% 2.74% % of Average Total Assets % noint exp % Avg. TA % noint exp % Avg. TA % noint exp % Avg. TA Personnel expenses 74.46% 2.17% 66.61% 1.84% 68.51% 1.78% 1.78% 1.47% Occupancy expense 6.89% 0.20% 6.40% 0.18% 6.31% 0.16% 0.16% 0.35% Other operating expense (incl. intangibles) 18.66% 0.54% 26.99% 0.75% 25.18% 0.65% 0.65% 0.92% % TR % Avg. TA % TR % Avg. TA % TR % Avg. TA Provision: Loan & Lease Losses 2.84% 0.24% 1.07% 0.09% 0.53% 0.04% 0.04% 0.21% Income Taxes 8.16% 0.69% 1.55% 0.13% 0.11% 0.01% 0.02% 0.58% INCOME: Asset Utilization (AU) components: 8.40% 8.14% 7.76% 7.76% 8.36% Interest income / Avg. TA 8.02% 7.77% 7.22% 7.22% 7.67% Gross yields on earning assets (rate) 7.85% 7.57% 6.88% 7.90% 8.18% Avg Yield Gross Loans & Leases (te) 10.18% 10.03% 9.91% 9.91% 9.43% Avg. Yield on Investments: 4.68% 4.79% 4.40% 6.77% 6.42% Avg yield U.S. Treasury & Agency securities 9.21% 6.55% 5.37% 6.80% 6.13% Avg yield Municipal securities (book) 4.88% 4.92% 4.92% 5.00% 5.23% Avg yield Municipal securities (TE.) 5.69% 5.74% 5.74% 5.87% 7.56% Avg yield All other securities 0.00% 0.00% 0.00% 0.00% 6.22% Avg yield Interest bearing bank balances #N/A #N/A 0.00% 0.00% 5.57% Avg yield Fed funds sold & resales 2.71% 4.27% 4.14% 5.45% 5.27% Avg yield Trading account assets #N/A #N/A #N/A Composition of Assets: Total Loans / Total Assets 56.13% 50.34% 44.79% 47.87% 56.66% LN&LS allowance & ATTR / Total Assets 0.43% 0.37% 0.32% 0.34% 0.86% Net Loans & Leases / Total Assets 55.69% 49.97% 44.48% 47.52% 56.02% % of Total (EOP) LN&LS: Real estate loans 38.44% 47.06% 49.23% 48.50% 53.30% Commercial loans 5.85% 4.12% 3.74% 4.80% 14.82% Individual loans 3.02% 3.15% 2.75% 2.95% 15.27% Agricultural loans 52.65% 45.65% 44.20% 43.71% 15.02% Other LN&LS in domestic off. 0.04% 0.03% 0.08% 0.04% 0.53% LN&LS in foreign off. 0.00% 0.00% 0.00% 0.00% 0.00% Less: Unearned Income 0.00% 0.00% 0.00% Less: Loan & Lease loss Allowance 0.77% 0.73% 0.71% 0.71% 1.49% % of Total (EOP) Assets: Total Investments 39.48% 45.28% 50.94% Interest bearing bank balances 0.00% 0.00% 0.19% 0.89% 0.75% Fed funds sold & resales 27.32% 34.96% 39.40% 34.05% 4.67% Trading account assets 0.00% 0.00% 0.00% 0.00% 0.00% Held-to Maturity Securities 0.00% 0.00% 0.00% 0.00% 7.67% Available-for-Sale-Securities 12.15% 10.32% 11.35% 12.24% 23.75% Total Securities / Total Investments 30.78% 22.80% 22.28% % of Total Securities U.S. Treasury & Agency securities 97.57% 97.44% 97.97% 83.06% 53.08% Municipal securities 2.39% 2.52% 2.00% 2.00% 20.96% Foreign debt securities 0.00% 0.00% 0.00% #N/A 0.00% All other securities 0.04% 0.04% 0.03% 14.94% 25.96% Held-to-maturity % of Total Securities 0.00% 0.00% 0.00% 0.00% 21.51% Available-fo-sale % of Total Securities 100.00% 100.00% 100.00% 100.00% 78.49% Nonint Cash & Due from banks / Total Assets 2.34% 2.34% 2.57% 2.61% 3.43% Other non-earning assets / Total Assets 2.49% 2.40% 2.02% 2.68% 3.71% "%Nonint Income" % Avg. TA "%Nonint Income" % Avg. TA "%Nonint Income" % Avg. TA Total noninterest income 0.38% 0.37% 0.54% 0.54% 0.67% Fee Income 18.67% 0.07% 7.41% 0.03% 14.83% 0.08% 0.08% 0.23% Fiduciary Activities 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Deposit service charges 81.33% 0.31% 74.69% 0.28% 43.73% 0.24% Trading revenue 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Other foreign transactions 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Other noninterest income 18.67% 0.07% 25.31% 0.09% 56.27% 0.30% Realized security gains (losses) 0.00% #N/A 0.00% #N/A 0.00% #N/A 0.00% 0.02% RISK RATIOS Credit Risk % Average Total LN&LS Gross loss 0.42% 0.21% 0.09% 0.09% 0.41% Net loss 0.41% 0.21% 0.09% 0.09% 0.27% Recoveries 0.01% 0.00% 0.00% 0.00% 0.14% Recoveries to prior period loss #VALUE! 0.00% 0.00% 0.00% 37.16% % Total (EOP) LN&LS 90 days and over past due 0.00% 0.22% 0.00% 0.00% 0.40% Total Nonaccrual LN&LS 0.00% 0.00% 0.00% 0.00% 0.64% Total Noncurrent 0.00% 0.22% 0.00% 0.00% 1.04% % Average LN&LS Provision: Loan & Lease Losses 0.40% 0.16% 0.09% LN&LS Allowance 0.78% 0.73% 0.73% 0.71% 1.49% Earn Coverage of net losses 9.03x 17.88x 40.91x 40.91x 12.23x LN&LS Allowance / Net losses 1.93x 3.51x 7.73x 7.73x 5.67x Total Loans & leases / TA 56.13% 50.34% 44.79% 47.87% 56.66% Net Loan and lease growth rate #N/A -0.49% 2.01% 2.01% 6.52% Liquidity Risk %Total (EOP) Assets Total equity 13.44% 12.35% 11.17% 12.13% 11.04% Core deposits 73.17% 72.23% 72.65% 73.07% 73.89% Net non-core (Volatile liabilities) 13.04% 14.91% 15.70% 13.80% 11.04% Available for sale securities 12.15% 10.32% 11.35% 12.24% 23.75% Net loans & leases 55.69% 49.97% 44.48% 47.52% 56.02% Net loans & leases / Total Deposits 64.90% 57.47% 50.46% 50.46% 64.50% Net loans & leases / Core Deposits 76.11% 69.18% 61.22% 61.22% 74.57% Capital Risk Tier 1 Capital / Risk-weighted assets 21.79% 21.40% 20.79% 20.79% 17.15% Total RBC / Risk weighted Assets 22.49% 22.04% 21.38% 21.38% 18.27% Tier 1 Leverage Capital / Total Assets 13.42% 12.28% 11.03% 11.36% 10.60% Equity Capital / Total Assets 13.44% 12.35% 11.17% 12.13% 11.04% Dividend Payout 80.97% 89.40% 79.91% 79.91% 63.64% Growth rate in total equity capital #N/A 1.92% 3.68% 3.68% 6.76% Operational Risk Total Assets / Number of employees 3,022 3,351 3,841 3,840 2,620 Personnel expense / number of employees 61.00 57.29 62.00 62.00 36.00 Efficiency ratio 57.18% 57.86% 58.44% 58.33% 57.08%