March 31, 2019 Portfolio Diversification Legacy Loans [in - PowerPoint PPT Presentation

March 31, 2019

Portfolio Diversification Legacy Loans [in thousands] $3,936,607 $3,868,814 3.31.19 12.31.18 Bonds Bonds $13,701 $13,940 0% 0% Commercial Commercial Consumer* Business Business Consumer* $259,794 $403,744 $264,789 $432,230 7% 7% 10% 11% Single Family Single Family Const & Land Const & Land Real Estate Real Estate Dev Dev $408,843 $400,672 $633,290 $637,936 10% 10% 16% 17% Multifamily Multifamily Real Estate Real Estate $842,757 $763,949 Commercial 22% 20% Commercial Real Estate Real Estate $1,374,478 $1,355,298 35% 35% *Includes Home Equity Loans of $120,696 Includes Home Equity Loans of $121,352 2

Portfolio Diversification Terminated Loss Share Agreement Loans [in thousands] $130,976 3.31.19 $124,225 12.31.18 Other Loans Other Loans Multi Family Multi Family $2,513 $2,329 $3,587 $3,541 2% 2% 3% 3% Const & Land Dev Const & Land Dev $1,106 $1,199 Consumer* 1% Consumer* 1% $21,011 $22,807 17% 17% Commercial Commercial Real Estate Real Estate $14,576 Single Family $15,211 Single Family 11% Real Estate 12% Real Estate $81,662 $85,659 66% 65% 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 $19,467 *Includes Home Equity Loans of $21,134 3

Portfolio Diversification FDIC Assisted Acquired Loans [in thousands] 3.31.19 $53,471 $52,041 12.31.18 Commercial Consumer* Consumer* Const & Land Business Const & Land $793 $746 Dev $3,768 Dev 2% 1% $4,345 7% $4,389 8% Commercial 8% Business $3,880 8% Single Family Single Family Real Estate Real Estate $16,491 $16,147 31% 31% Commercial Commercial Real Estate Real Estate $18,221 $17,175 34% 33% Multifamily Multifamily Real Estate Real Estate $9,809 $9,748 18% 19% Valley Bank Valley Bank *Includes Home Equity Loans of $345 *Includes Home Equity Loans of $356 4

Portfolio by Region Legacy Loans [in thousands] $3,868,814 3.31.19 $3,936,607 12.31.18 Missouri SE Missouri Missouri SE Missouri Central $52,737 Central $61,659 $95,775 2% Missouri SW $101,725 2% 3% $126,796 3% 3% Chicago Missouri SW $100,986 Chicago $133,601 Other $98,885 3% 3% Regions 3% Other Regions Fayetteville $605,970 $551,179 $107,425 St Louis 15% St Louis Fayetteville 3% 14% $762,069 $750,249 $104,885 19% 19% 3% Texas Texas $407,983 $422,098 Kansas City 11% Kansas City 10% $247,746 $241,354 6% 6% Springfield $367,843 Oklahoma Oklahoma Springfield Kansas Other Iowa/ Missouri Kansas Other $301,192 9% $294,149 $364,378 $87,248 Nebraska/ Iowa/ Nebraska/ NE/NW $97,318 8% Missouri 7% 2% 9% South Dakota South Dakota 2% $24,903 NE/NW $295,934 $304,255 1% $25,942 Arkansas Other 8% 8% Arkansas Other 1% $85,510 $84,331 Branson Minnesota 2% Minnesota Branson 2% $71,493 $170,414 $184,828 $72,561 2% 4% 5% 2% 5

Portfolio by Region Terminated Loss Share Agreement Loans [in thousands] 3.31.19 12.31.18 $130,976 $124,225 Other Regions Chicago Chicago Missouri $3,526 Other Regions $103 $103 Central $3,792 3% Missouri 0% 0% Missouri SE 3% $1,570 Missouri SE Central Kansas City 1% $3,207 $3,031 $832 $6,417 3% Kansas City 2% 1% Iowa/ Iowa/ 5% Kansas Other St. Louis $6,071 St. Louis Nebraska/ Nebraska/ $2,311 Kansas Other $9,041 5% $9,213 South Dakota South Dakota 2% $1,999 7% 7% $13,633 $12,844 Missouri SW Missouri SW 2% 10% 10% $6,474 $6,903 5% 5% Minnesota Minnesota $80,304 65% $83,827 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] 3.31.19 12.31.18 $1,355,298 $1,374,478 Storage Storage $62,733 $40,602 5% Recreational 3% Facilities Other Recreational Other $58,868 $23,795 Facilities $58,043 4% 2% $23,462 4% 2% Industrial Industrial $123,234 $120,568 Retail 9% 9% Retail $430,047 $444,009 31% 33% Office Buildings Office Buildings $186,142 $188,371 14% 14% Healthcare Healthcare $281,831 $281,514 Motels / Hotels Restaurants 20% Motels / Hotels $129,077 21% Restaurants $68,882 9% $141,114 $67,484 5% 10% 5% 7

Commercial Real Estate by Region Legacy Loans [in thousands] $1,355,298 3.31.19 $1,374,478 12.31.18 Missouri SE Missouri Missouri SE Missouri Central $3,182 Central $3,224 $55,230 0% $55,793 Missouri SW 1% 4% $57,252 4% Missouri SW 4% Chicago $57,447 Other 4% $39,965 Regions Chicago 3% Other Regions $235,001 $40,262 $231,440 St Louis 3% 17% 17% $235,460 St Louis Fayetteville Fayetteville $12,552 $235,852 17% $12,713 1% 17% 1% Texas Texas $161,436 $162,914 Kansas City Kansas City 12% $102,278 12% $117,976 8% 9% Kansas Other $30,216 Springfield Springfield 2% Oklahoma Oklahoma Iowa/ $78,903 $87,689 $77,448 Missouri $82,407 Nebraska/ Iowa/ Nebraska/ 6% 6% 6% 6% NE/NW Kansas Other South Dakota South Dakota Missouri NE/NW $18,751 $36,743 $118,134 $127,010 $18,466 1% 3% Arkansas Other 9% 9% 1% Branson $10,600 Arkansas Other Branson Minnesota $27,049 1% $10,521 Minnesota $75,302 $28,026 2% 1% $82,534 5% 2% 6% 8

Construction & Land Development Legacy Loans [in thousands] 3.31.19 12.31.18 $637,936 $633,290 Industrial Industrial Other Other Single Family Office $2,711 Office $15,342 $19,480 $27,139 $16,728 $53,181 $61,730 0% 2% 3% Single Family 4% 3% 8% 10% $15,399 3% Motels / Hotels $23,252 4% Motels / Hotels $33,595 5% Healthcare $44,978 Healthcare 7% $32,090 Retail 5% $41,461 Apartments Retail 7% $353,957 $51,928 Apartments 56% Commercial 8% $376,575 Land Dev 59% Commercial $40,116 Land Dev 6% $42,112 7% Residential Residential Land Dev Land Dev $10,697 $8,755 2% 1% 9

Construction & Land Development by Region Legacy Loans [in thousands] $637,936 3.31.19 $633,290 12.31.18 Missouri Missouri Missouri Central Missouri Central SE/SW/NW SE/SW $4,921 $5,111 $4,380 $8,911 1% 1% 1% 1% Kansas City $18,416 Kansas City $11,843 3% St Louis St Louis 2% $79,198 Springfield $85,438 Springfield $29,024 15% 14% $21,482 Other Regions 5% 3% Other Regions $174,235 $186,781 27% Branson 29% $7,521 Branson Iowa/ Nebraska/ 1% $7,116 South Dakota Iowa/ Nebraska/ 1% $46,470 South Dakota 8% $39,529 Chicago Minnesota Chicago Minnesota 8% $38,582 $33,127 $37,875 $42,372 6% 5% 7% 6% Oklahoma Texas Texas Oklahoma $46,686 $101,982 $115,924 $41,244 7% 16% 18% 8% Fayetteville Arkansas Other $21,678 Fayetteville $12,606 3% $13,925 Arkansas Other Kansas Other Kansas Other 2% $12,266 2% $9,067 $13,516 1% 2% 2% 1 0

Multi Family Real Estate by Region Legacy Loans [in thousands] 3.31.19 12.31.18 $763,949 $842,757 Fayetteville Fayetteville Arkansas Other $34,883 Arkansas Other Chicago $14,769 $21,955 4% $14,877 $16,979 2% 3% Chicago 2% Kansas Other 2% $20,010 $33,292 2% Kansas Other 4% Kansas City Other Regions $33,446 Other Regions $53,360 $73,545 Kansas City 4% Minnesota $116,874 6% $67,978 10% $28,123 Minnesota 14% 9% 3% $16,538 2% Iowa / Neb / Texas Iowa / Neb / South Dakota $137,175 South Dakota Texas $54,493 18% $46,387 $135,103 6% 6% 16% Springfield Springfield $47,568 $47,326 6% 6% Oklahoma St. Louis St. Louis Missouri Oklahoma Missouri $153,480 Central $119,279 $131,728 Central $157,921 20% /NE/NW 16% 16% /NE/NW 19% $9,650 $9,742 1% 1% Missouri Missouri Southwest Southwest $4,983 $5,242 1% 1% Average credit size is $2,827,785 Average credit size is $2,616,264 11

Multi Family Real Estate by LTV Legacy Loans [in thousands] 3.31.19 12.31.18 $763,949 $842,757 25% or less 25% or less 86% and higher 86% and higher $9,233 $12,136 $15,416 $15,518 1% 2% 1% 2% 26%-50% 26%-50% 76%-85% $96,609 76%-85% $130,694 $120,235 13% $145,583 16% 16% 17% 51%-75% 51%-75% $541,831 $519,451 64% 68% 12