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Non-GAAP reconciliations (cont’d) Credit quality ratios ($000) 2017 2018 2019 2020 2Q21 Non-performing loans 2 Foreclosed assets Non-performing assets 2 $22,102 16,545 $15,913 9,559 $19,049 5,099 $9,960 4,168 $7,406 7,757 $38,647 $25,472 $24,148 $14,128 $15,163 Loans, before allowance for loan losses $2,115,946 $2,144,257 $2,163,826 $2,247,006 $2,152,119 Nonperforming loans to loans, before allowance for loan losses Nonperforming assets to loans, before allowance for loan losses and foreclosed assets 1.04% 1.81% 0.74% 1.18% 0.88% 1.11% 0.44% 0.63% 0.34% 0.70% Credit quality ratios (originated) 1 ($000) 2017 2018 2019 2020 2Q21 Non-performing loans Foreclosed assets Non-performing assets $15,533 5,950 $10,366 1,395 $10,841 1,022 $2,929 674 $4,902 856 $21,483 $11,761 $11,863 $3,603 $5,758 Loans, before allowance for loan losses $1,825,129 $1,923,859 $1,998,496 $2,126,323 $2,054,291 Nonperforming loans to loans, before allowance for loan losses Nonperforming assets to loans, before allowance for loan losses and foreclosed assets 0.85% 1.17% 0.54% 0.61% 0.54% 0.59% 0.14% 0.17% 0.24% 0.28% Credit quality ratios (acquired) 1 ($000) 2017 2018 2019 2020 2Q21 Non-performing loans 2 Foreclosed assets Non-performing assets 2 $6,569 10,595 $5,547 8,164 $8,208 4,077 $7,031 3,494 $2,504 6,901 $17,164 $13,711 $12,285 $10,525 $9,405 Loans, before allowance for loan losses $290,817 $220,398 $165,330 $120,683 $97,828 Nonperforming loans to loans, before allowance for loan losses Nonperforming assets to loans, before allowance for loan losses and foreclosed assets 2.26% 5.69% 2.52% 6.00% 4.96% 7.25% 5.83% 8.48% 2.56% 8.98% 1 Originated loans represent loans initially originated by the Company and acquired loans that were refinanced using the Company’s underwriting criteria. Acquired loans represent loans originated under the underwriting criteria used by a bank that was acquired by the Company; 2 Excludes loans acquired with deteriorated credit quality that are past due 90 or more days, still accruing totaling $0.3 million as of December 31, 2017, $2.7 million as of December 31, 2018, $0.1 million as of December 31, 2019, $0.6 million as of December 31, 2020, and $27 thousand as of June 30, 2021 38
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