Banner Corporation (BANR) 2022年年度报告「NASDAQ」.pdf

1、 2022 Banner Corporation Annual Report Harnessing our momentum Serving our clients,communities and colleagues for 132 years$15.83 billion in assets Serving eight of the top 11 largest western Metropolitan Statistical Areas(by population)A Forbes Worlds Best Bank for the third consecutive year CORE E

2、FFICIENCY RATIO 70%63.59%61.18%60.76%60.22%57.99%60%50%40%30%20%10%0%2018 2019 2020 2021 2022 Core efficiency ratio defined as adjusted non-interest expense divided by adjusted revenue.Adjusted revenue excludes net gain(loss)on sale of securities,fair value adjustments and the gain on sale of branch

3、es.Adjusted non-interest expense excludes merger and acquisition related expenses,COVID-19 expenses,Banner Forward expenses,amortization of core deposit intangibles,REO operations,loss on extinguishment of debt and state/municipal business and use taxes.DEPOSIT PORTFOLIO 46%49%5%2022 Total Deposits:

4、$13.62 Billion Interest-bearing transaction and savings accounts CDs Noninterest bearing deposits TOTAL SHAREHOLDER RETURN PERFORMANCE$200$175$137.28$150$128.09$125$109.07$100.00$100.05$95.40$127.53$100$118.71$100.00$102.20$75$93.33$82.51$50$25$0 2017 2018 2019 2020 2021 2022 Banner Corporation KBW

5、Regional Bank Index NOTE:Assumes$100 invested in BANR common stock and other index at the close of business December 31,2017 and that all dividends were reinvested.Information for the graph was provided by Bloomberg LP,New York City,NY.CORE DEPOSITS BY BRANCH(MILLION)137 BRANCHES$40$30$20$10$0 2018

6、2019 2020 2021 2022$100 2022 Core$94$90 Deposits:$90$12.90$80 Billion$75$70$60$50$50$45 Dear Fellow Stakeholders,Sir Isaac Newtons Laws of Motion were certainly in effect this past year at Banner.Our nearly 2,000 employees remained in productive motion toward ensuring we are a consistently high-perf