CFC Quarterly Financial Performance

CONSOLIDATED FINANCIAL HIGHLIGHTS - As of and for the Quarter ended June 30, 2023 Balance Sheet (in millions) Total Assets Loans Receivable $3,535.3 $3,007.6 Deposits $3,162.6 Total Shareholders' Equity $272.7 Earnings and Profitability Net Income (in millions) $12.9 Return on Average Assets ("ROAA") - annualized 1.52% Return on Average Equity -annualized 19.53% Net Interest Margin -annualized 7.58% Efficiency Ratio Loans Receivable to Deposits 42.92% 96.23% Capital Ratios (Consolidated) Total Shareholder Equity to Total Assets Tangible Equity to Tangible Assets (1) Tier 1 Leverage Capital Ratio (to average assets) Common Equity Tier 1 Capital (to risk-weighted assets) Tier 1 Risk-Based Capital Ratio (to risk-weighted assets) Total Risk-Based Capital Ratio (to risk-weighted assets) Asset Quality Total Nonperforming Assets to Total Assets Total Nonperforming Loans to Total Loans Receivable Allowance for Credit Losses to Total Loans Receivable 7.71% 7.71% 8.16% 8.36% 8.47% 11.12% 0.95% 1.12% 3.68% Total Assets Core Deposits (2) Loans Receivable Net Income (1) Tangible equity to tangible assets is a non-GAAP measure. Since there is no goodwill or other intangible assets as of the date indicated, tangible equity to tangible assets is the same as total shareholders' equity to total assets as of the date indicated. (2) Consists of total deposits less all time and brokered deposits. (3) 2017 net income is adjusted to exclude the impact of a deferred tax asset revaluation due to the enactment of the Tax Cuts and Jobs Act. Refer to "Non-GAAP Reconciliation" in the Appendix for additional details. (4) CCBX net charge-offs were 97.0% covered by the credit enhancements provided by the partners. CAGR: 24.8% $428.9 $546.5 $622.7 $740.6 $805.8 $952.1 $3,535.3 $3,144.5 $2,635.5 $1,766.1 $1,128.5 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 202023 CAGR: 24.7% $3,007.6 $2,627.3 $1,547.1 $1,742.7 $359.3 $431.1 $499.2 $596.1 $656.8 $767.9 $939.1 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 202023 CAGR: 28.7% $3,137.7 $2,686.5 $2,249.6 $1,328.0 $276.8 $351.7 $451.9 $571.5 $612.6 $696.0 $862.5 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 202023 CAGR: 39.4% $40.6 $27.0 $25.3 $13.2 $15.1 $9.7 $2.0 $2.3 $3.0 $6.7 $5.0 2013 2014 2015 2016 2017 (3) 2018 2019 2020 2021 2022 2023 YTD Note: Annual data as of or for the year ended December 31 of each respective year 3

View entire presentation