Best-in-Class Efficiency

ir_statement / Sep 17, 2026 / receipt

Maintained best-in-class efficiency while investing in people and platforms to sustain growth

ir_statement / Sep 17, 2026 / receipt

Maintaining best-in-class efficiency while investing for future growth

ir_statement / Sep 17, 2026 / receipt

Maintained best-in-class efficiency

ir_statement / Sep 17, 2026 / receipt

Best-in-Class Efficiency

ir_statement / Sep 17, 2026 / receipt

Total Operating Noninterest Expense1 7% ($972mm) ▪Growing 8% to 9% Y-o-Y (Narrowing from 7% to 9%) 13% ($526mm)

ir_statement / Sep 17, 2026 / receipt

Maintained best-in-class efficiency while investing in people and platforms to sustain growth

ir_statement / Sep 17, 2026 / receipt

Compensation and employee benefits expense increased by $11mm or 14% Q-o-Q: hiring & increases to bonus accrual and restricted stock compensation.

ir_statement / Sep 16, 2026 / receipt

FY 2017 adj. efficiency ratio: 41.5%, and FY 2016 adj. efficiency ratio: 44.2%.

ir_statement / Sep 16, 2026 / receipt

2020 outlook: temporarily withdrawn due to the economic uncertainties impacted by the COVID-19 pandemic.

ir_statement / Sep 16, 2026 / receipt

1Q20 adj.* noninterest expense: $160.6mm, decrease of 3% Q-o-Q and flat Y-o-Y.

ir_statement / Sep 16, 2026 / receipt

1Q20 total noninterest expense: $178.9mm, decrease of 7% Q-o-Q and decrease 4% Y-o-Y.

ir_statement / Sep 16, 2026 / receipt