2023 Annual Report

$295.3 $300.8 $333.6 $450.0 $400.0 $350.0 $300.0 $250.0 YEAR ENDED GROSS LOANS Dollars in Millions 2022 2023 2019 2020 2021 $375.7 $405.9 $3.500 $4.000 $3.000 $2.500 $2.000 $1.500 $1.000 $0.500 YEAR ENDED OPERATING INCOME Dollars in Millions $3.548 $3.006 $1.611 $2.198 $2.354 2022 2023 2019 2020 2021 YEAR ENDED DEPOSITS Dollars in Millions $600.0 $500.0 $400.0 $300.0 $200.0 $442.2 $479.0 $494.3 $499.4 2022 2023 2019 2020 2021 $372.8 YEAR ENDED NET INCOME Dollars in Millions $7.000 $6.000 $5.000 $4.000 $3.000 $2.000 $1.000 $3.104 $1.236 $4.003 2022 2019 2020 2021 2023 $2.001 $5.711