Business Description

3 Disclosure pursuant to subpart 1400 of Regulation S-K I. Distribution of assets, liabilities and shareholders’ equity; interest rates and interest differential A. Average balance sheets 56 B. Interest income/expense and resulting yield or rate on average interest-earning assets and interest‑bearing liabilities 56 C. Rate/volume variances 57 II. Investments in debt securities A. Maturity schedule and weighted-average yield 87 III. Loan portfolio A. Maturity schedule 88 IV. Allowance for credit losses A. Credit ratios 69, 74, 77 Factors driving material changes in credit ratios or related components 68-77, 129-141 B. Allocation of the allowance for credit losses 77, 135 V. Deposits A. Average balances and rates 56 B. Uninsured deposits and time deposits over $250,000 65, 85, 89