An analysis was performed in which six data points were excluded – the three lowest and the three highest data points, as based on classifications as a percentage of tier-one capital plus loan loss reserve. With the excluded data points, problem assets (or loans when compared to total loans) averaged 0.49% of total assets, 0.71% of total loans, and 4.21% of tier-one capital plus loan loss reserve. Fourth Quarter 2023 modified data compares to the following Third Quarter 2023 modified average data set: •0.48% of total assets •0.70% of total loans, and •4.20% of tier-one capital plus loan loss reserve