2Q22 3Q22 4Q22 1Q23 2Q23 Total Non-interest Expenses Adjusted Non-interest Expenses ² Efficiency Ratio ¹ Adjusted Efficiency Ratio ² Non-interest Expense Notes: • Q2 2023 results include $1.9 million in severance expense in salaries and wages 1 The ratio of the bank's non-interest expense to revenue (per FDIC definition) 2 See Non-GAAP table in appendix for reconciliation 20 2023 GUIDANCE SUMMARY Net Interest Income & Net Interest Margin • Loan growth expected to be low-single-digit end-of-period growth for ...