Average Interest Earning Assets Composition 37 ROAE (GAAP) and ROATCE (non-GAAP) Net Income (GAAP) and PTPP Income (nonGAAP), in millions 38 14% Tier 1 Leverage Ratio LIQUIDITY POSITION Liquidity Sources – At fair value – Includes FHLB borrowing availability of $1.42 billion at December 31, 2023 based on pledged assets, however, maximum credit capacity is 45$3.22 billion Ticker HFWA Exchange NASDAQ Stock price $20.63 Market capitalization (in millions) ...