1. Credit Risk: On the excel spreadsheet risk analysis at the top, see credit risk analysis. Analyze the differences between the Bank and the PG7 in 2021 by looking at differences in loan mix, net loan losses, differences in the concentration ratios for different types of loans, earnings coverage of net losses, loan allowance to net losses and to total loans, non-accrual loans, and net loans and leases. Does the Bank have more or less credit risk than the PG7 in 2021

2. Liquidity and OBS Risk: Scroll down the spreadsheet to see the Liquidity Analysis ratios. Analyze the differences between the Bank and the PG7 in 2021 by looking at differences in liquidity risk from an asset, liability, and off-balance sheet risk perspective. Does the Bank have more or less liquidity risk than the PG7 in 2021?

3. Capital Risk: Scroll down the spreadsheet to see the Capital Analysis ratios. Analyze the differences between the Bank and the PG7 in 2021 by looking at differences in the Tier One Leverage ratio, retained earnings to average total equity ratio, and by comparing the growth rate in assets and loans to the growth rate in the capital. Does the Bank have more or less capital risk than the PG7 in 2021?

4. Interest Rate Risk: Scroll down the spreadsheet to see the Interest Rate Risk Analysis ratios. Analyze the differences between the Bank and the PG7 in 2021 by looking at differences in the Net 3 Year and Net 1 Year Positions (larger more interest rate risk; note positive positions imply negative funding gaps since there are more long-term assets than long-term liabilities, i.e. so more rate sensitive liabilities. Does the Bank have more or less liquidity interest rate risk than the PG7 in 2021?

3/31/2021 PG 7 0.01 3/31/2020 Bank 0.00 0.00 0.02 0.06 0.00 0.04 Credit Risk Analysis Loan & Lease Analysis p.01 3/31/2021 Percentages % Bank Net Loss to Average Total Assets 0.04 Net Losses by Loan Type Real Estate Loans Construction & Development Agricultural Loans Commercial Loans Consumer Loans Analysis of Concentration of Credit P. 78 Loans & Leases as % of Capital and Loan Allowance Real Estate Loans Construction & Development 1-4 Family Construction Other Construction & Land Development Agricultural Loans Commercial Loans Consumer Loans Auto Loans Nondepository & Other Municipal Loans 371.86 22.66 9.14 12.62 44.17 85.39 24.36 11.48 0.50 3.04 Earnings Coverage of Net Losses Loan Allowance to Net Losses Loan Allowance to Total Loans Total Loans 90+ Days Past Due Nonaccrual Loans Net Loans & Leases to Assets 107.66 64.03 1.39 0.07 0.53 57.50 3/31/2020 3/31/2021 PG 7 68.34 Loan Mix % Real Estate Loans Types of Real Estate Construction & Development Loans Non-Farm Non-Residential Farm Non-Residential Other Non-Farm Non Residential Agricultural Loans Commercial & Industrial Loans Consumer Loans (Loans to Indivs.) 4.21 18.59 9.68 8.21 8.47 7.54 31.30 22.24 9.06 8.69 7.99 1.53 14.68 4.69 31998 199997398333933: 112 13 23:33 1932989898 372293 01 529991: 2009 110 111 2 59579 :1999: Liquidity Analysis ??!23 0983752998 199977 212 9979993 199978 129: 113330913 19 33! a NoncoreFundDependence % Net Loans & Leases to Assets % Tier One Leverage Ratio % Uninsured Time Deposits > $250 mil. Brokered Deposits 3/31/2021 PG 7 -11.06 57.50 10.16 1.21 0.59 3/31/2020 Bank -18.16 70.48 10.20 1.62 0.98 Off Balance Sheet Items % Off Balance Sheet Items to Assets Total Loan & Lease Commitments Assets Securitized or sold with Recourse 3/31/2021 PG 7 11.02 9.03 0.40 3/31/2020 Bank 20.50 10.58 9.72 3/31/2021 PG 7 3/31/2020 Bank 10.20 10.16 7.41 0.41 Capital Analysis % Tier One Leverage Ratio % (i.e. equity to total assets) Retained Earnings to Ave. Total Equity Growth Rate % Growth Rate Assets Growth Rate Tier One Capital Growth Rate Net Loans & Leases Growth Rate Short-term Investments Growth Rate Short-term Non-CoreFunding 19.46 6.56 5.79 102.65 7.21 14.01 12.21 8.00 85.60 -22.69 Interest Rate Risk Analysis 3/31/2021 PG 7 3/31/2020 Bank Contractual Mat/Reprice Data Loans/Securities over 3 Years Maturity Liabilities Over 3 year Maturity Net 3 Year Position 48.07 1.91 45.62 44.66 5.93 38.73 Loans/Securities over 1 year maturity Liabilities over 1 year maturity Net 1 Year Position As Percent of Assets Total Loans & Securities Over 15 Years & 62.75 7.34 54.83 56.91 11.41 45.50 9.42 13.30 3/31/2021 PG 7 0.01 3/31/2020 Bank 0.00 0.00 0.02 0.06 0.00 0.04 Credit Risk Analysis Loan & Lease Analysis p.01 3/31/2021 Percentages % Bank Net Loss to Average Total Assets 0.04 Net Losses by Loan Type Real Estate Loans Construction & Development Agricultural Loans Commercial Loans Consumer Loans Analysis of Concentration of Credit P. 78 Loans & Leases as % of Capital and Loan Allowance Real Estate Loans Construction & Development 1-4 Family Construction Other Construction & Land Development Agricultural Loans Commercial Loans Consumer Loans Auto Loans Nondepository & Other Municipal Loans 371.86 22.66 9.14 12.62 44.17 85.39 24.36 11.48 0.50 3.04 Earnings Coverage of Net Losses Loan Allowance to Net Losses Loan Allowance to Total Loans Total Loans 90+ Days Past Due Nonaccrual Loans Net Loans & Leases to Assets 107.66 64.03 1.39 0.07 0.53 57.50 3/31/2020 3/31/2021 PG 7 68.34 Loan Mix % Real Estate Loans Types of Real Estate Construction & Development Loans Non-Farm Non-Residential Farm Non-Residential Other Non-Farm Non Residential Agricultural Loans Commercial & Industrial Loans Consumer Loans (Loans to Indivs.) 4.21 18.59 9.68 8.21 8.47 7.54 31.30 22.24 9.06 8.69 7.99 1.53 14.68 4.69 31998 199997398333933: 112 13 23:33 1932989898 372293 01 529991: 2009 110 111 2 59579 :1999: Liquidity Analysis ??!23 0983752998 199977 212 9979993 199978 129: 113330913 19 33! a NoncoreFundDependence % Net Loans & Leases to Assets % Tier One Leverage Ratio % Uninsured Time Deposits > $250 mil. Brokered Deposits 3/31/2021 PG 7 -11.06 57.50 10.16 1.21 0.59 3/31/2020 Bank -18.16 70.48 10.20 1.62 0.98 Off Balance Sheet Items % Off Balance Sheet Items to Assets Total Loan & Lease Commitments Assets Securitized or sold with Recourse 3/31/2021 PG 7 11.02 9.03 0.40 3/31/2020 Bank 20.50 10.58 9.72 3/31/2021 PG 7 3/31/2020 Bank 10.20 10.16 7.41 0.41 Capital Analysis % Tier One Leverage Ratio % (i.e. equity to total assets) Retained Earnings to Ave. Total Equity Growth Rate % Growth Rate Assets Growth Rate Tier One Capital Growth Rate Net Loans & Leases Growth Rate Short-term Investments Growth Rate Short-term Non-CoreFunding 19.46 6.56 5.79 102.65 7.21 14.01 12.21 8.00 85.60 -22.69 Interest Rate Risk Analysis 3/31/2021 PG 7 3/31/2020 Bank Contractual Mat/Reprice Data Loans/Securities over 3 Years Maturity Liabilities Over 3 year Maturity Net 3 Year Position 48.07 1.91 45.62 44.66 5.93 38.73 Loans/Securities over 1 year maturity Liabilities over 1 year maturity Net 1 Year Position As Percent of Assets Total Loans & Securities Over 15 Years & 62.75 7.34 54.83 56.91 11.41 45.50 9.42 13.30