Pages 7, 8 & 8A Analysis of Credit Allowance and Loan Mix / Analysis of Past Due, Nonaccrual, and Restructured a. Use these report to dig deeper into the quality of the loan portfolio. b. Consider the adequacy of reserves based on past due and non-accrual status.

FDIC Certificate # 13421 OCC Charter #0 Public Report FRB DistrictID_RSSD 10/450856 County: LANCASTER UNION BANK AND TRUST COMPANY : LINCOLN, NE Analysis of Credit Allowance and Loan Mix--Page 7 Allowance & Loan Mx-a 11/30/2019 8:29:24 PM 5Q Trend 9/30/2019 3/31/2019 12/31/2018 12/31/2017 12/31/2016 Analysis Ratios PG 3 PG 3 PCT BANK 0.21 28.09 PG 3 0.12 44.21 Loss Provision to Average Assets Recoveries to Prior Credit Loss BANK 0.21 23.43 79 0.12 BANK 0.22 30.33 0.11 41.27 BANK 0.15 22.74 PG 3 0.12 55.80 BANK 0.14 36.95 PG 3 PCT 0.15 59 64.46 42 44 48.35 0.13 0.08 0.09 0.10 0.11 Net Loss to Average Total LN&LS Gross Loss to Average Total LN&LS 0.18 0.06 0.09 0.13 0.16 0.12 0.18 0.13 Recoveries to Average Total LN&LS 0.06 LN&LS Allowance to LN&LS Not HFS 1.02 1.55 1.01 1.02 1.55 {{{ 1137 } LN&LS Allowance to Total LN&LS 1.01 1.00 1.00 0.98 13.59 3.40 1.58 1.57 25.10 3.15 1.51 1.51 14.59 4.75 LN&LS Allowance to Net Losses (X) 22.32 1.55 17.58 2.96 24.35 3.64 17.73 2.96 12.44 2.62 25.13 12.82 LN&LS Allowance to Nonaccrual LN&LS (X) 2.83 Earnings Coverage of Net Losses (X) 37.50 35.96 37.79 55.53 31.46 48.98 21.91 37.40 37.95 26.94 75 Net Losses by Type of LN&LS Real Estate Loans Construction & Land Development 1-4 Family Construction 0.00 -0.01 Other Construction & Land Secured by Farmland 1-4 Family Residential Loans Home Equity Loans {21448 1344 1-4 Family 1st Lien Loans 0.00 0.01 1-4 Family Jr Lien Loans Multifamily Loans 0.00 Non-Farm Non-Residential Mtg Owner Occupied Nontarm Nonresidential 0.02 0.00 0.00 -0.01 Other Nonfarm Nonresidential RE Loans in Foreign Offices 0.00 NA 0.00 NA 1 Agricultural Loans 0.00 0.08 72 Commercial and Industrial Loans Loans to Individuals Credit Card Plans 1 Auto Loans -0.04 Non-Depository, Other & Muni Loans 0.34 Financial Institution Loans 0.00 0.58 36 1.4346 0.0980 0.21 55 0.00 NA 0.00 NA 0.14 72 -127.07 NA 0.11 75 Loans to Foreign Governments 0.00 NA Lease Financing NA 0.00 NA ss 0.10 - 14.07 0.09 0.00 NA Leases to Individuals All Other Leases 0.00 0.11 - 52.93 0.07 Supplemental: Loans to Finance Comml Real Estate NA 0.02 NA N A 0.00 - NA NA -0.04 NA NA 0.00 NA 0.01 N/A Change: Loan Allowance ($000) Beginning Balance Gross Credit Losses 1 46,792 41,218 52,458 2,639 44,496 3,838 4.148 2,770 Memo: Loans HFS Write-down 0 2 1,164 630 Recoveries Net Credit Losses 874 1,765 999 1,771 2,984 3209 Provision: Loan & Lease Losses 6,607 8,650 5,502 5,051 Other Adjustments LN&LS Allowance 57,300 54,121 52,458 46,793 44,498 1 1 1 Average Total Loans & Leases 3,469,768 3,407,168 3,248,168 2,944, 151 2,790,083 FDIC Certificate # 13421 OCC Charter #0 Public Report FRB DistrictID_RSSD 10 / 450856 County: LANCASTER UNION BANK AND TRUST COMPANY : LINCOLN , NE Analysis of Past Due, Nonaccrual & Restructured--Page 8 PD, Nonacc & Rest Loans-a 11/30/2019 8:30:03 PM 5Q Trend 9/30/2019 3/31/2019 12/31/2018 12/31/2016 BANK PG 3 PG 3 BANK BANK PCT 12/31/2017 PG 3 0.06 BANK % of Non-Current LN&LS by Loan Type Real Estate LNS-90+ Days P/D -Nonaccrual PG 3 PCT BANK 0.06 0.76 0.06 0.05 0.00 0.02 0.21 0.32 -Total is 0.55 10 0.699 0.2973 -30-89 DAYS P/D Const & Land Dev-90+ Days P/D -Nonaccrual ISS) -Total -30-89 DAYS PID 1-4 Fam Cons & L Dev-90+ Days P/D 0.00 0.92 -Nonaccrual -Total -30-89 DAYS P/D Other Const & Land Dev-90+ Days P/D -Nonaccrual -Total -30-89 DAYS P/D 0.08 51 Ills ISS7 Srds Illu Secured by Farmland-90+ Day P/D 0.00 0.0488 -Nonaccrual -Total 0.99 51 -30-89 DAYS P/D 0.67 1-4 Family Mtg-90+ Days P/D 0.00 0.00 0.00 -Nonaccrual 0.8041 -Total -30-89 DAYS P/D 0.53 52 Home Equity Loans -90+ Days P/D 0.00 0.03 -Nonaccrual 0.00 0.02 0.48 0.50 0.35 0.02 0.63 C.80 C.35 - Total ))| 27 || 0.75 0.41 -30-89 DAYS PID 0.00 0.06 1-4 Family 1st Lien Lns-90+Days P/D 0.06 0.6 -Nonaccrual 0.05 0.63 0.78 1.11 - Total -30-89 DAYS P/D 1-4 Family Jr Lien Lns-90+ Days P/D 0.00 0.08 0.03 1.26 0.06 1.45 -Nonaccrual 0.25 - Total -30-89 DAYS PID 0.00 Multifamily Loans-90+ Days P/D -Nonaccrual ))| | )( 12 1.39 0.04 -Total 0.07 -30-89 DAYS P/D 0.06 Non-Farm Non-Res Mtg-90+ Days P/D 0.03 0.00 0.02 -Nonaccrual - Total 0.57 0.53 0.19 -30-89 DAYS PID Own Ooc Non-Farm Non-Res-90+ Days P/D 0.03 -Nonaccrual 0.03 0.66 0.73 0 . 6 )) 0.01 0.56 0.50 - Total 0.69 -30-89 DAYS PID Other Non-Farm Non-Res-90+ Days P/D 0.00 0.73 0.01 0.42 -Nonaccrual // - Total -30-89 DAYS PID RE Lns in Foreign Offices-90+ Days P/D -Nonaccrual -Total -30-89 DAYS P/D Supplemental: LNS Fin Comi RE-90+ Days P/D 0.00 0.06 0.00 0.01 -Nonaccrual -Total 0.01 -30-89 DAYS P/D Non-Current LN&LS ($000) 90 Days and Over Past Due 7,594 10,031 9,849 Total Nonaccrual LN&LS Total Non-Current LN&LS 6,440 15,738 22,178 21,179 17,161 24,755 34,412 4,967 17,744 22,711 18,088 5,151 3,471 8,622 19,880 24,284 LN&LS 30-89 Days Past Due 16,146 4,421 Gtyd LN&LS 90+ Days P/D Gtyd LN&LS on Nonaccrual 3,670 53 3,680 3,607 335 3,460 4,068 26 3,209 2,621 75 Gtyd LN&LS 30-89 Days P/D 2,924 2143 23 (2) 449 Restructured LN&LS 90+ Days P/D 1,448 Restructured LN&LS Nonaccrual Restructured LN&LS 30-89 Days P/D Current 1-4 Family Restru LN&LS 1,231 10,317 2,701 6,749 Current Other Restructured LN&LS 4,495 4,640 4,662 492 Loans Secured 1-4 RE in Foreclosure 488 488 Other Real Estate Owned 9,144 5,881 5,881 7,027 7,272 FDIC Certificate # 13421 OCC Charter #0 Public Report FRB DistrictID_RSSD 10/450856 County: LANCASTER UNION BANK AND TRUST COMPANY : LINCOLN, NE Analysis of Past Due, Nonaccrual & Restructured--Page 8A PD, Nonacc & Rest Loans-b 11/30/2019 8:31:51 PM 5Q Trend 9/30/2019 3/31/2019 12/31/2018 12/31/2017 12/31/2016 BANK BANK BANK BANK % of Non-Current LN&LS by Loan Type Financial Institution LNS-90+ Days P/D BANK NA PG 3 0.00 PG 3 0.00 N/A N/A N/A N/A -Nonaccrual N/A PG3 PCT 0.00 NA 0.00 NA 0.00 NA 0.21 NA N/A NA NA - Total -30-89 DAYS P/D Coml & Indust LNS-90+ Days P/D 0.00 -Nonaccrual -Total 0.24 0.24 0.88 -30-89 DAYS P/D 0.00 Agricultural LNS-90+Days P/D -Nonaccrual 0.36 - Total -30-89 DAYS P/D Loans to Individuals-90+ Days P/D 0.72 0.15 -Nonaccrual 0.19 -Total -30-89 DAYS P/D PL 38915313?3? |||| 3363 Credit Card Plans-90+ Days P/D 0.28 -Nonaccrual - Total -30-89 DAYS P/D Auto Loans 0.00 0.36 73 79 -Nonaccrual 0.17 -Total -30-89 DAYS P/D Non-depository, Other and Muni-90+ Days P/D 0.00 0.00 0.00 0.00 0.03 0.00 0.00 -Nonaccrual 0.07 0.00 0.02 FDIC Certificate # 13421 OCC Charter #0 Public Report FRB DistrictID_RSSD 10/450856 County: LANCASTER UNION BANK AND TRUST COMPANY : LINCOLN, NE Analysis of Credit Allowance and Loan Mix--Page 7 Allowance & Loan Mx-a 11/30/2019 8:29:24 PM 5Q Trend 9/30/2019 3/31/2019 12/31/2018 12/31/2017 12/31/2016 Analysis Ratios PG 3 PG 3 PCT BANK 0.21 28.09 PG 3 0.12 44.21 Loss Provision to Average Assets Recoveries to Prior Credit Loss BANK 0.21 23.43 79 0.12 BANK 0.22 30.33 0.11 41.27 BANK 0.15 22.74 PG 3 0.12 55.80 BANK 0.14 36.95 PG 3 PCT 0.15 59 64.46 42 44 48.35 0.13 0.08 0.09 0.10 0.11 Net Loss to Average Total LN&LS Gross Loss to Average Total LN&LS 0.18 0.06 0.09 0.13 0.16 0.12 0.18 0.13 Recoveries to Average Total LN&LS 0.06 LN&LS Allowance to LN&LS Not HFS 1.02 1.55 1.01 1.02 1.55 {{{ 1137 } LN&LS Allowance to Total LN&LS 1.01 1.00 1.00 0.98 13.59 3.40 1.58 1.57 25.10 3.15 1.51 1.51 14.59 4.75 LN&LS Allowance to Net Losses (X) 22.32 1.55 17.58 2.96 24.35 3.64 17.73 2.96 12.44 2.62 25.13 12.82 LN&LS Allowance to Nonaccrual LN&LS (X) 2.83 Earnings Coverage of Net Losses (X) 37.50 35.96 37.79 55.53 31.46 48.98 21.91 37.40 37.95 26.94 75 Net Losses by Type of LN&LS Real Estate Loans Construction & Land Development 1-4 Family Construction 0.00 -0.01 Other Construction & Land Secured by Farmland 1-4 Family Residential Loans Home Equity Loans {21448 1344 1-4 Family 1st Lien Loans 0.00 0.01 1-4 Family Jr Lien Loans Multifamily Loans 0.00 Non-Farm Non-Residential Mtg Owner Occupied Nontarm Nonresidential 0.02 0.00 0.00 -0.01 Other Nonfarm Nonresidential RE Loans in Foreign Offices 0.00 NA 0.00 NA 1 Agricultural Loans 0.00 0.08 72 Commercial and Industrial Loans Loans to Individuals Credit Card Plans 1 Auto Loans -0.04 Non-Depository, Other & Muni Loans 0.34 Financial Institution Loans 0.00 0.58 36 1.4346 0.0980 0.21 55 0.00 NA 0.00 NA 0.14 72 -127.07 NA 0.11 75 Loans to Foreign Governments 0.00 NA Lease Financing NA 0.00 NA ss 0.10 - 14.07 0.09 0.00 NA Leases to Individuals All Other Leases 0.00 0.11 - 52.93 0.07 Supplemental: Loans to Finance Comml Real Estate NA 0.02 NA N A 0.00 - NA NA -0.04 NA NA 0.00 NA 0.01 N/A Change: Loan Allowance ($000) Beginning Balance Gross Credit Losses 1 46,792 41,218 52,458 2,639 44,496 3,838 4.148 2,770 Memo: Loans HFS Write-down 0 2 1,164 630 Recoveries Net Credit Losses 874 1,765 999 1,771 2,984 3209 Provision: Loan & Lease Losses 6,607 8,650 5,502 5,051 Other Adjustments LN&LS Allowance 57,300 54,121 52,458 46,793 44,498 1 1 1 Average Total Loans & Leases 3,469,768 3,407,168 3,248,168 2,944, 151 2,790,083 FDIC Certificate # 13421 OCC Charter #0 Public Report FRB DistrictID_RSSD 10 / 450856 County: LANCASTER UNION BANK AND TRUST COMPANY : LINCOLN , NE Analysis of Past Due, Nonaccrual & Restructured--Page 8 PD, Nonacc & Rest Loans-a 11/30/2019 8:30:03 PM 5Q Trend 9/30/2019 3/31/2019 12/31/2018 12/31/2016 BANK PG 3 PG 3 BANK BANK PCT 12/31/2017 PG 3 0.06 BANK % of Non-Current LN&LS by Loan Type Real Estate LNS-90+ Days P/D -Nonaccrual PG 3 PCT BANK 0.06 0.76 0.06 0.05 0.00 0.02 0.21 0.32 -Total is 0.55 10 0.699 0.2973 -30-89 DAYS P/D Const & Land Dev-90+ Days P/D -Nonaccrual ISS) -Total -30-89 DAYS PID 1-4 Fam Cons & L Dev-90+ Days P/D 0.00 0.92 -Nonaccrual -Total -30-89 DAYS P/D Other Const & Land Dev-90+ Days P/D -Nonaccrual -Total -30-89 DAYS P/D 0.08 51 Ills ISS7 Srds Illu Secured by Farmland-90+ Day P/D 0.00 0.0488 -Nonaccrual -Total 0.99 51 -30-89 DAYS P/D 0.67 1-4 Family Mtg-90+ Days P/D 0.00 0.00 0.00 -Nonaccrual 0.8041 -Total -30-89 DAYS P/D 0.53 52 Home Equity Loans -90+ Days P/D 0.00 0.03 -Nonaccrual 0.00 0.02 0.48 0.50 0.35 0.02 0.63 C.80 C.35 - Total ))| 27 || 0.75 0.41 -30-89 DAYS PID 0.00 0.06 1-4 Family 1st Lien Lns-90+Days P/D 0.06 0.6 -Nonaccrual 0.05 0.63 0.78 1.11 - Total -30-89 DAYS P/D 1-4 Family Jr Lien Lns-90+ Days P/D 0.00 0.08 0.03 1.26 0.06 1.45 -Nonaccrual 0.25 - Total -30-89 DAYS PID 0.00 Multifamily Loans-90+ Days P/D -Nonaccrual ))| | )( 12 1.39 0.04 -Total 0.07 -30-89 DAYS P/D 0.06 Non-Farm Non-Res Mtg-90+ Days P/D 0.03 0.00 0.02 -Nonaccrual - Total 0.57 0.53 0.19 -30-89 DAYS PID Own Ooc Non-Farm Non-Res-90+ Days P/D 0.03 -Nonaccrual 0.03 0.66 0.73 0 . 6 )) 0.01 0.56 0.50 - Total 0.69 -30-89 DAYS PID Other Non-Farm Non-Res-90+ Days P/D 0.00 0.73 0.01 0.42 -Nonaccrual // - Total -30-89 DAYS PID RE Lns in Foreign Offices-90+ Days P/D -Nonaccrual -Total -30-89 DAYS P/D Supplemental: LNS Fin Comi RE-90+ Days P/D 0.00 0.06 0.00 0.01 -Nonaccrual -Total 0.01 -30-89 DAYS P/D Non-Current LN&LS ($000) 90 Days and Over Past Due 7,594 10,031 9,849 Total Nonaccrual LN&LS Total Non-Current LN&LS 6,440 15,738 22,178 21,179 17,161 24,755 34,412 4,967 17,744 22,711 18,088 5,151 3,471 8,622 19,880 24,284 LN&LS 30-89 Days Past Due 16,146 4,421 Gtyd LN&LS 90+ Days P/D Gtyd LN&LS on Nonaccrual 3,670 53 3,680 3,607 335 3,460 4,068 26 3,209 2,621 75 Gtyd LN&LS 30-89 Days P/D 2,924 2143 23 (2) 449 Restructured LN&LS 90+ Days P/D 1,448 Restructured LN&LS Nonaccrual Restructured LN&LS 30-89 Days P/D Current 1-4 Family Restru LN&LS 1,231 10,317 2,701 6,749 Current Other Restructured LN&LS 4,495 4,640 4,662 492 Loans Secured 1-4 RE in Foreclosure 488 488 Other Real Estate Owned 9,144 5,881 5,881 7,027 7,272 FDIC Certificate # 13421 OCC Charter #0 Public Report FRB DistrictID_RSSD 10/450856 County: LANCASTER UNION BANK AND TRUST COMPANY : LINCOLN, NE Analysis of Past Due, Nonaccrual & Restructured--Page 8A PD, Nonacc & Rest Loans-b 11/30/2019 8:31:51 PM 5Q Trend 9/30/2019 3/31/2019 12/31/2018 12/31/2017 12/31/2016 BANK BANK BANK BANK % of Non-Current LN&LS by Loan Type Financial Institution LNS-90+ Days P/D BANK NA PG 3 0.00 PG 3 0.00 N/A N/A N/A N/A -Nonaccrual N/A PG3 PCT 0.00 NA 0.00 NA 0.00 NA 0.21 NA N/A NA NA - Total -30-89 DAYS P/D Coml & Indust LNS-90+ Days P/D 0.00 -Nonaccrual -Total 0.24 0.24 0.88 -30-89 DAYS P/D 0.00 Agricultural LNS-90+Days P/D -Nonaccrual 0.36 - Total -30-89 DAYS P/D Loans to Individuals-90+ Days P/D 0.72 0.15 -Nonaccrual 0.19 -Total -30-89 DAYS P/D PL 38915313?3? |||| 3363 Credit Card Plans-90+ Days P/D 0.28 -Nonaccrual - Total -30-89 DAYS P/D Auto Loans 0.00 0.36 73 79 -Nonaccrual 0.17 -Total -30-89 DAYS P/D Non-depository, Other and Muni-90+ Days P/D 0.00 0.00 0.00 0.00 0.03 0.00 0.00 -Nonaccrual 0.07 0.00 0.02