DISCLOSURES Forward-Looking Statements This presentation may contain statements that are based on management's current estimates or expectations of future events or future results, and that may be deemed to constitute forward-looking statements as defined under the Private Securities Litigation Reform Act of 1995. These statements on SmartFinancial Inc.'s ("SmartFinancial") business and financial results and conditions, are not historical in nature and can generally be identified by such words as "expect," ...

Financial Performance - Net income was $195 million in 1Q25, compared to $216 million in 1Q24[13] - Earnings per share (EPS) were $121 in 1Q25, versus $134 in 1Q24[13] - Net interest margin was 347% in 1Q25, compared to 374% in 1Q24 and 341% in 4Q24[13] - Total deposits grew by 17% year-over-year[13] Loan Portfolio & Asset Quality - Commercial loans grew nearly 5% annualized in 1Q25[13] - The ratio of nonperforming assets to total assets was 009% at the end of 1Q25[13] - Net loan charge-offs to average loans were (001)% in 1Q25[13] - Total loans were $46365 million as of March 31, 2025[80] Capital & Shareholder Value - Total risk-based capital ratio was 144% at the end of 1Q25, compared to 141% at the end of 1Q24[13] - Tangible book value per share (TBVPS) was $3442 at the end of 1Q25, versus $3022 at the end of 1Q24[13]

FORWARD LOOKING STATEMENTS & NON-GAAP FINANCIAL MEASURES Q1 2025 FINANCIAL RESULTS APRIL 21, 2025 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements contained in this presentation that do not relate to matters of historical fact should be considered forward- looking statements, including without limitation, statements regarding our forecasted financial results and the effective tax rate u ...

April 22, 2025 at: www.lockheedmartin.com/investor April 22, 2025 through midnight April 23, 2025 Evan Scott 1 st Quarter 2025 Conference Call April 22, 2025 Webcast login at: James D. Taiclet Chairman, President and CEO Chief Financial Officer Maria Ricciardone Vice President, Treasurer & Investor Relations www.lockheedmartin.com/investor Webcast replay & podcast available by 2:00 p.m. ET Audio replay available from 2:00 p.m. ET 1 Forward-Looking Statements This presentation contains statements that, to th ...

Financial Performance - Home Bancorp's total assets reached $3.5 billion as of March 31, 2025[9] - Net income for Q1 2025 was $10.964 million, compared to $9.673 million in Q4 2024[13] - Diluted EPS for Q1 2025 was $1.37, up from $1.21 in Q4 2024[13] - Net interest margin (NIM) increased to 3.91% in Q1 2025 from 3.82% in Q4 2024[13] - Total deposits reached $2.827 billion as of March 31, 2025, an increase of $46.511 million QoQ and $104.629 million YoY[13, 73] Loan Portfolio - Total loans amounted to $2.7 billion[9, 29] - The annualized growth rate for total loans in YTD 2025 was 4%[29] - Houston market loans experienced a 21% annualized growth rate YTD[29] - Commercial Real Estate Owner Occupied (CRE O.O.) loans represent 26% of the total loan portfolio[28] - Commercial & Industrial (C&I) loans represent 15% of the total loans, with a total balance of $411.363 million[28, 41] Deposits and Funding - Non-interest bearing deposits make up 27% of the total deposit composition[74] - Uninsured deposits are approximately $645 million, representing 23% of total deposits[79] - The company has $1.263 billion in total primary and secondary liquidity[79] Capital Management - The company has repurchased 297,193 shares for $13.022 million as of April 17, 2025[107] - A cash dividend of $0.27 per share is payable on May 16, 2025[107]

Forward-Looking Statements This presentation contains forward-looking statements that relate to expectations, beliefs, projections, future plans and strategies, anticipated events or trends and similar expressions concerning matters that are not historical facts. Examples of forward-looking statements include, among others, statements we make regarding our expectations with regard to our business, financial and operating results, future economic performance and dividends, including our statements on the sli ...

Q1 2025 Operating & Financial Results April 22, 2025 Forward-looking statements This presentation includes "forward-looking statements." These statements are subject to a number of risks, uncertainties and other factors that could cause our actual results, performance, prospects or opportunities, as well as those of the markets we serve or intend to serve, to differ materially from those expressed in, or implied by, these statements. You can identify these statements by the fact that they do not relate to m ...

NORTHERN TRUST CORPORATION First Quarter 2025 Quarterly Earnings Review northerntrust.com / © 2025 Northern Trust 135 years of strength, stability & stewardship Disciplined, client-centric strategy Highest standards of client service Product leadership & innovative services Solutions-focused technology & integrated operating platform northerntrust.com / © 2025 Northern Trust 2 FINANCIAL HIGHLIGHTS northerntrust.com / © 2023 Northern Trust northerntrust.com / © 2025 Northern Trust 33 Financial Highlights & K ...

Disclosure Regarding Forward-Looking Statements These slides (and the accompanying oral discussion) contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on assumptions made by management, considering its experience in the industries where Valmont operates, perceptions of historical trends, current conditions, expected future developments, and other relevant factors. It is important to note that these statements are not guar ...

First Quarter 2025 Performance - Revenue decreased by 1.0% from Q1 2024, with core revenue being flat, acquisitions/divestitures contributing +0.5%, and foreign exchange (FX) impacting -1.5%[5] - Adjusted diluted net earnings per common share decreased by 2.1% from $1.92 in Q1 2024 to $1.88 in Q1 2025[5] - Adjusted operating profit margin decreased by 50 BPS, from 30.1% in Q1 2024 to 29.6% in Q1 2025[5] Segment Performance - Biotechnology revenue increased by 6.0%, with core growth of +7.0% and FX impacting -1.0%, resulting in revenue of $1.612 billion in Q1 2025 compared to $1.524 billion in Q1 2024; adjusted operating profit margin increased by 590 BPS, from 35.6% to 41.5%[8] - Life Sciences revenue decreased by 3.5%, with core decline of -4.0%, acquisitions contributing +2.0%, and FX impacting -1.5%, resulting in revenue of $1.680 billion in Q1 2025 compared to $1.745 billion in Q1 2024; adjusted operating profit margin decreased by 220 BPS, from 23.0% to 20.8%[10] - Diagnostics revenue decreased by 3.0%, with core decline of -1.5%, divestitures impacting -0.5%, and FX impacting -1.0%, resulting in revenue of $2.449 billion in Q1 2025 compared to $2.527 billion in Q1 2024; adjusted operating profit margin decreased by 340 BPS, from 34.7% to 31.3%[12] Financial Position - Net cash provided by operating activities decreased from $1.739 billion to $1.299 billion, a ~ (25.5)% change year-over-year[42] - Free cash flow decreased from $1.448 billion to $1.060 billion, a ~ (27.0)% change year-over-year[42] Guidance - The company forecasts low-single digit core sales growth for the three-month period ending June 27, 2025, and ~3.0% for the year ending December 31, 2025[23] - Adjusted operating profit margin is forecasted to be ~25.5% for the three-month period ending June 27, 2025[23] - Adjusted diluted net earnings per common share are forecasted to be $7.60 - $7.75 for the year ending December 31, 2025[23]