March 31, 2018 Portfolio Diversification Legacy Loans [in - PowerPoint PPT Presentation

March 31, 2018

Portfolio Diversification Legacy Loans [in thousands] $3,612,321 $3,567,835 3.31.18 12.31.17 Bonds Bonds $20,829 $21,657 0% 1% Commercial Commercial Business Business Consumer* Consumer* $282,291 $280,692 $535,949 $498,555 8% 8% 15% 14% Const & Land Const & Land Single Family Dev Single Family Dev $480,194 Real Estate Real Estate $504,933 13% $324,454 $317,754 14% 9% 9% Multifamily Real Estate Multifamily $708,290 Commercial Commercial Real Estate 20% Real Estate Real Estate $713,360 $1,272,969 $1,218,229 20% 35% 34% *Includes Home Equity Loans of $114,842 Includes Home Equity Loans of $115,439 2

Portfolio Diversification Terminated Loss Share Agreement Loans [in thousands] $171,819 3.31.18 $160,079 12.31.17 Other Loans Other Loans Multi Family Multi Family $3,348 $3,194 $4,638 $4,149 2% 2% 3% 3% Const & Land Dev Const & Land Dev $1,493 $1,426 Consumer* Consumer* 1% 1% $29,935 $28,130 17% 17% Commercial Commercial Real Estate Real Estate $19,457 $17,507 11% 11% Single Family Single Family Real Estate Real Estate $112,948 $105,673 66% 66% Team Bank, Vantus Bank, Sun Security Bank, and Team Bank, Vantus Bank, Sun Security Bank, and InterSavings Bank InterSavings Bank *Includes Home Equity Loans of $25,787 *Includes Home Equity Loans of $27,319 3

Portfolio Diversification FDIC Assisted Acquired Loans [in thousands] 3.31.18 $59,997 $58,326 12.31.17 Consumer* Const & Land Consumer* Const & Land $1,209 $1,111 Dev Dev 2% $3,945 2% $4,016 7% 7% Commercial Commercial Business Business $4,312 $5,147 7% 9% Single Family Single Family Real Estate Real Estate $18,689 $19,482 32% 32% Commercial Commercial Real Estate Real Estate $19,473 $19,281 33% 32% Multifamily Multifamily Real Estate Real Estate $10,796 $10,862 19% 18% Valley Bank Valley Bank *Includes Home Equity Loans of $431 *Includes Home Equity Loans of $459 4

Portfolio by Region Legacy Loans [in thousands] $3,567,835 3.31.18 $3,612,321 12.31.17 Missouri SE Missouri Missouri SE Missouri Central $73,275 Central $78,206 2% $96,109 $97,831 2% Missouri SW Chicago 3% 3% $134,347 Chicago $77,503 4% $60,773 Missouri SW 2% Fayetteville Other 2% $141,224 $110,222 4% Regions 3% Other Regions Fayetteville $457,983 $455,315 $113,783 13% 13% 3% St Louis St Louis $674,007 $694,739 19% 19% Texas Texas $376,507 $369,633 10% 10% Kansas City Kansas City $262,744 $249,143 7% 7% Kansas Other Kansas Other Oklahoma Oklahoma $88,712 $100,095 $256,724 $249,685 2% Springfield 3% Springfield 7% Iowa/ 7% Arkansas Other $368,270 Iowa/ Nebraska/ $385,615 Nebraska/ $79,318 Missouri NE/NW South Dakota Arkansas Other 10% South Dakota 11% Missouri 2% $27,668 $265,076 $77,135 $248,865 NE/NW 1% 7% 2% 7% $27,056 Minnesota Branson 1% $166,778 Branson $74,185 Minnesota 5% 2% $78,052 $163,578 2% 5% 5

Portfolio by Region Terminated Loss Share Agreement Loans [in thousands] 3.31.18 12.31.17 $171,819 $160,079 St. Louis Other Regions Chicago $10,371 Chicago Missouri $5,685 Other Regions $105 6% $159 NE/Central $6,127 4% Missouri 0% $1,877 Missouri SE 0% 4% Missouri SE Kansas City Central 1% $3,690 $4,044 $1,635 $8,160 2% 2% 1% Kansas City Iowa/ Iowa/ 5% $7,523 Kansas Other Nebraska/ St. Louis Nebraska/ Kansas Other $3,068 South Dakota 5% South Dakota $12,053 $2,894 2% $17,895 $16,799 Missouri SW 7% 2% Missouri SW 11% 10% $8,810 $8,232 5% 5% Minnesota Minnesota $103,145 64% $109,626 64% Team Bank, Vantus Bank, Sun Security Bank, and Team Bank, Vantus Bank, Sun Security Bank, and InterSavings Bank InterSavings Bank 6

Commercial Real Estate Legacy Loans [in thousands] 3.31.18 12.31.17 $1,218,229 $1,272,969 Storage Storage $6,721 $6,290 0% Recreational 1% Recreational Facilities Facilities Other Other $24,105 $20,168 $71,087 $68,504 2% 2% 6% 6% Industrial Industrial $132,960 $124,745 10% 10% Retail $430,226 Retail 34% $404,627 Office Buildings Office Buildings 33% $199,268 $200,641 16% 16% Healthcare Motels / $217,793 Motels / Hotels Healthcare Hotels 17% $118,422 $107,210 $206,600 Restaurants Restaurants 9% 9% 17% $76,324 $75,507 6% 6% 7

Commercial Real Estate by Region Legacy Loans [in thousands] $1,218,229 3.31.18 $1,272,969 12.31.17 Missouri SE Missouri Missouri SE Missouri Central $1,276 Central $1,681 $48,955 0% $47,637 Missouri SW 0% 4% Chicago $58,999 4% 5% Missouri SW $41,978 $64,492 Chicago 3% Other 5% $33,600 Regions Fayetteville 3% Other Regions $13,071 $186,040 Fayetteville $181,038 1% 15% $14,321 15% St Louis 1% St Louis $252,502 $251,224 20% 21% Texas Texas $151,435 $147,188 12% 12% Kansas Other Kansas City Kansas City $28,494 $93,155 2% $71,601 7% 6% Oklahoma Oklahoma $90,917 Springfield $93,677 Kansas Other Iowa/ Springfield 7% Iowa/ Nebraska/ $84,933 $37,691 8% Nebraska/ $86,402 South Dakota 3% 7% Arkansas Other South Dakota Missouri NE/NW 7% Missouri $89,423 $74,015 $11,208 $14,760 Arkansas Other 7% NE/NW 6% 1% 1% $10,895 $14,910 Branson 1% Minnesota Branson 1% $29,438 Minnesota $67,501 $31,072 2% $65,669 5% 3% 5% 8

Construction & Land Development Legacy Loans [in thousands] 3.31.18 12.31.17 $480,194 $504,933 Other Other Industrial Single Family $19,413 Office $15,598 Industrial $26,766 $12,495 $14,732 4% Single Family 3% $20,841 5% 3% 3% $10,393 4% 2% Motels / Hotels Motels / Hotels $7,635 Office $15,108 2% $31,757 3% 7% Healthcare Apartments $60,701 $208,883 Healthcare 12% 43% Apartments $41,170 $244,371 9% 48% Retail $71,098 Retail 14% $82,710 17% Commercial Commercial Land Dev Land Dev $39,345 $37,310 8% 8% Residential Residential Land Dev Land Dev $12,192 $12,609 2% 3% 9

Construction & Land Development by Region Legacy Loans [in thousands] $480,194 3.31.18 $504,933 12.31.17 Missouri Missouri Central SE/SW Missouri Missouri Central $5,566 $819 SE/SW Fayetteville $5,644 1% 0% $2,664 1% $12,635 1% 3% Missouri NE $4,400 Fayetteville St Louis St Louis Other Regions 1% Chicago $47,473 $14,338 $53,663 $74,983 Other Regions $16,518 10% 11% 3% 16% $92,060 Missouri 3% 18% NE/NW Kansas City Springfield $2,947 $46,271 $11,902 Kansas City 1% Chicago 9% 2% $67,744 $25,158 14% 5% Branson Texas $6,649 $69,672 Iowa/ Nebraska/ 1% 15% Iowa/Nebraska/ South Dakota Texas South Dakota $41,969 $70,471 $33,756 8% Springfield 14% 7% Oklahoma $11,289 Minnesota Minnesota $71,833 2% $36,230 $37,559 Oklahoma 7% 15% 8% $75,391 Kansas Other Kansas Other 15% $10,952 Branson $7,828 Arkansas 2% $6,836 Arkansas 2% Other 1% Other $9,612 $10,295 2% 2% 1 0

Multi Family Real Estate by Region Legacy Loans [in thousands] 3.31.18 12.31.17 $713,360 $708,290 Fayetteville Fayetteville Arkansas Other $29,599 Arkansas Other $29,513 $17,822 Chicago 4% $17,965 4% 3% $6,672 2% 1% Kansas Other Chicago $26,603 $6,912 Other Regions Kansas Other Kansas City 4% 1% Kansas City $96,440 Other Regions $33,499 $64,004 $49,935 $112,120 14% 5% Minnesota 9% 7% 16% $31,671 4% Minnesota Texas $31,356 4% $147,158 Texas Iowa / Neb / 21% South Dakota Iowa / Neb / $145,265 $62,400 South Dakota 20% 9% $48,692 7% Springfield Springfield $38,418 $38,147 5% Oklahoma St. Louis 5% Oklahoma St. Louis $67,793 $94,132 $75,330 $106,473 10% Missouri 13% 11% 15% Central Missouri /NE/NW Central $11,973 Missouri Missouri /NE/NW 2% Southwest Southwest $10,005 $10,630 $11,123 1% 1% 2% Average credit size is $2,409,149 Average credit size is $2,459,860 11

Multi Family Real Estate by LTV Legacy Loans [in thousands] 3.31.18 12.31.17 $713,360 $708,290 25% or less 86% and 25% or less 86% and higher $16,281 $9,664 higher $11,787 2% 2% $13,070 1% 2% 26%-50% 26%-50% $86,155 76%-85% $85,548 76%-85% 12% $103,239 12% $128,405 15% 18% 51%-75% 51%-75% $465,662 $501,839 66% 70% 12