F R B of K C Banking Conditions: March 2021 All U.S. Banks and Tenth District Banks

FEDERAL RESERVE BANK of KANSAS CITY MARCH 4 Banking Conditions 2021 Leverage Ratio (All US Commercial Banks) % of Assets* 11.5 YTD Quarter 11.0 10.5 10.0 9.5 9.0 8.5 8.0 2016 2017 2018 2019 2020 2021 1Q 2Q 3Q 4Q 1Q2020 2020 2020 2020 2021 All Banks 9.37 9.55 9.63 9.59 8.76 8.78 9.33 8.70 8.74 8.76 8.78 Banks Over $100B 9.04 9.21 9.26 9.19 8.37 8.40 8.92 8.29 8.37 8.37 8.40 Banks $10 - $100B 9.92 1. [...] FEDERAL RESERVE BANK of KANSAS CITY MARCH 23 Banking Conditions 2021 Loan Loss Provisions (All US Commercial Banks) % of Avg. Assets 1.8 YTD* Quarter** 1.5 1.2 0.9 0.6 0.3 0.0 (0.3) (0.6) 2016 2017 2018 2019 2020 2021 1Q 2Q 3Q 4Q 1Q2020 2020 2020 2020 2021 All Banks 0.27 0.27 0.26 0.29 0.64 -0.27 1.11 1.22 0.26 0.05 -0.27 Banks Over $100B 0.27 0.27 0.29 0.33 0.70 -0.35 1.23 1.42 0.23 0.01 -0.35 Ba. [...] FEDERAL RESERVE BANK of KANSAS CITY MARCH 39 Banking Conditions 2021 Loan Portfolio Breakdown (All US Commercial Banks) All US Banks Banks Under $10B 4% 4% 17% 22% 22% 43% 13% 22% 7% 24% 20% 2% CRE 1‐4 Family Agriculture C&I Consumer Other Source: Reports of Condition and Income – March 2021 FEDERAL RESERVE BANK of KANSAS CITY MARCH 40 Banking Conditions 2021 Tenth District Loan Portfolio Breakdow. [...] Source: Reports of Condition and Income FEDERAL RESERVE BANK of KANSAS CITY MARCH Banking Conditions 2021 60 Loans to Deposits (All US Commercial Banks) % of Deposits 100 YTD Quarter 90 80 70 60 50 40 2016 2017 2018 2019 2020 2021 1Q 2Q 3Q 4Q 1Q2020 2020 2020 2020 2021 All Banks 71.6 71.8 73.2 72.3 60.9 58.6 69.6 64.8 63.7 60.9 58.6 Banks Over $100B 66.1 65.9 67.5 66.4 54.3 52.1 63.7 58.0 56.7 54.. [...] ASSET QUALITY Problem Assets / Total Loans +  OREO Noncurrent CLD Noncurrent Other CRE Noncurrent 1‐4 Family Noncurrent C&I Noncurrent Farm Noncurrent RE Farm 3/31/2021 3/31/2020 3/31/2021 3/31/2020 3/31/2021 3/31/2020 3/31/2021 3/31/2020 3/31/2021 3/31/2020 3/31/2021 3/31/2020 3/31/2021 3/31/2020 Colorado 0.48 0.49 0.22 0.23 0.35 0.20 0.29 0.32 0.52 0.89 0.40 0.31 1.40 1.40 Kansas 1.13 1.32 0.09.