pcbinvestordeckq223

Earnings Results Second Quarter 2023 July 27, 2023

Forward-Looking Statement & Non-GAAP Forward-Looking Statement This presentation contains forward-looking statements. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections and statements of our beliefs concerning future events, business plans, objectives, expected operating results and the assumptions upon which those statements are based. Forward-looking statements include without limitation any statement that may predict, forecast, indicate or imply future results, performance or achievements, and are typically identified with words such as “may,” “could,” “should,” “will,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “aim,” “intend,” “plan,” or words or phases of similar meaning. We caution that the forward-looking statements are based largely on our expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond our control, including but not limited to the health of the national and local economies including the impact to the Company and its customers resulting from changes to, and the level of, inflation and interest rates; the Company’s ability to maintain and grow its deposit base; loan demand and continued portfolio performance; the impact of adverse developments at other banks, including bank failures, that impact general sentiment regarding the stability and liquidity of banks that could affect our financial performance and our stock price; changes to valuations of the Company’s assets and liabilities including the allowance for credit losses, earning assets, and intangible assets; changes to the availability of liquidity sources including borrowing lines and the ability to pledge or sell certain assets; the Company's ability to attract and retain skilled employees; customers' service expectations; cyber security risks; the Company's ability to successfully deploy new technology; the success of acquisitions and branch expansion; operational risks including the ability to detect and prevent errors and fraud; the effectiveness of the Company’s enterprise risk management framework; costs related to litigation; changes in laws, rules, regulations, or interpretations to which the Company is subject; the effects of severe weather events, pandemics, other public health crises, acts of war or terrorism, and other external events on our business. These and other important factors are detailed in various securities law filings made periodically by the Company, copies of which are available without charge on the SEC’s website at www.sec.gove and the on the investor relations section of the Company’s website at www.mypcbbank.com. Actual results, performance or achievements could differ materially from those contemplated, expressed, or implied by the forward-looking statements. Any forward- looking statements presented herein are made only as of the date of this presentation, and we do not undertake any obligation to update or revise any forward-looking statements to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise, except as required by law. Non-GAAP Financial Measures This presentation contains non-GAAP financial measures. For purposes of SEC Regulation G, a non-GAAP financial measure is a numerical measure of the historical or future financial performance, financial position or cash flows that excludes amounts or is subject to adjustments that have the effect of excluding amounts that are included in the most directly comparable measure calculated and presented in accordance with GAAP. Pursuant to the requirements of the SEC Regulation G, reconciliation of non-GAAP measures to the most directly comparable GAAP measures are provided in the Non-GAAP Measures of this presentation. References to the “Company,” “we,” or “us” refer to PCB Bancorp and references to the “Bank” refer to the Company’s subsidiary, PCB Bank.

Market Information 7/25/23 Market Cap $235.8 million Stock Price Per Share $16.44 52-Week Range $13.11 - $20.19 Dividend Yield 4.38% Dividend Payout Ratio (3Q22 – Q223) 27.51% Outstanding Shares 14,343,590 Stock Information 2Q23 or 6/30/23 Diluted Earnings Per Share (“Diluted EPS”) $0.52 Cash Dividend Per Share $0.18 Book Value (“BV”) Per Share $23.77 Tangible Common Equity (“TCE”) Per Share (1) $18.94 Number of Repurchased Stock (2) 0 (1) Not presented in accordance with GAAP. See “Non-GAAP Measures” for reconciliation of these measures to their most comparable GAAP measures (2) Stock repurchase plan announced on 7/28/22 was completed in 1Q23. Repurchased and retired 747,938 shares at a weighted-average purchase price of $18.15 per share totaling $13.6 million PCB Footprint Corporate Profile

Historical Performance (1) At period end (2) Not presented in accordance with GAAP. See “Non-GAAP Measures” for reconciliation of these measures to their most comparable GAAP measures

2Q23 Highlights Operating Results • Net income of $7.5 million, or $0.52 per diluted share • Provision for credit losses of $197 thousand • ROAA of 1.19% & ROATCE (1) of 11.08%, net interest margin of 3.55%, and efficiency ratio of 55.9% Loans • Loans held-for-investment (“HFI loans”) Increased $30.0 million, or 1.4%, to $2.12 billion • Loans held-for-sale (“HFS loans”) decreased $1.3 million, or 9.0%, to $13.1 million. • Average loans yield was 6.30% compared to 6.11% for 1Q23 • Total loans to deposits ratio was 97.6% • Quarterly loan production was $123.3 million compared to $111.7 million for 1Q23 Asset Quality • ACL for loans was $24.9 million, or 1.17% to HFI loans • Past due loans were $428 thousand, or 0.02% to HFI loans, and NPLs were $3.8 million, or 0.18% to HFI loans Deposits • Total deposits increased $46.5 million, or 2.2%, to $2.19 billion • Core deposits(1) were $1.52 billion, or 69.3% of total deposits • Non-interest bearing deposits were $635.3 million, or 29.0% of total deposits • Uninsured deposits were $1.03 billion, or 47.3% of total deposits • Cost of average interest-bearing deposits and total deposits were 3.97% and 2.81%, respectively Capital & Liquidity • Declared and paid quarterly cash dividend of $0.18 per share compared to $0.15 per share for 1Q23 • TBV per share increased to $18.94 • Total cash and available borrowing capacity covers 91.1% of uninsured deposits compared to 75.1% at 12/31/22 (1) Not presented in accordance with GAAP. See “Non-GAAP Measures” for reconciliation of these measures to their most comparable GAAP measures

Selected Financial As of or For the Three Months Ended Compared to 3/31/23 Compared to 6/30/22 ($ in Thousands, Except Per Share Data) 6/30/23 3/31/23 6/30/22 Amount Percentage Amount Percentage Income Statement Summary: Interest Income $ 36,838 $ 34,536 $ 22,446 $ 2,302 6.7% $ 14,392 64.1% Interest Expense 15,121 12,122 1,095 2,999 24.7% 14,026 1280.9% Net Interest Income 21,717 22,414 21,351 (697) -3.1% 366 1.7% Noninterest Income 2,657 3,021 3,648 (364) -12.0% (991) -27.2% Noninterest Expense 13,627 13,754 12,245 (127) -0.9% 1,382 11.3% Provision (Reversal) for Credit Losses (1) 197 (2,778) (109) 2,975 -107.1% 306 -280.7% Pretax Income 10,550 14,459 12,863 (3,909) -27.0% (2,313) -18.0% Income Tax Expense 3,073 4,162 3,771 (1,089) -26.2% (698) -18.5% Net Income 7,477 10,297 9,092 (2,820) -27.4% (1,615) -17.8% Diluted Earnings Per Share $ 0.52 $ 0.70 $ 0.60 $ (0.18) -25.7% $ (0.08) -13.3% Selected Balance Sheet Items: HFI loans $ 2,122,427 $ 2,092,442 $ 1,833,010 $ 29,985 1.4% $ 289,417 15.8% HFS loans 13,065 14,352 9,627 (1,287) -9.0% 3,438 35.7% Total Deposits 2,188,232 2,141,689 1,997,607 46,543 2.2% 190,625 9.5% Total Assets 2,556,345 2,500,524 2,344,560 55,821 2.2% 211,785 9.0% Shareholders’ Equity 340,411 336,830 334,375 3,581 1.1% 6,036 1.8% TCE (2) 271,270 267,689 265,234 3,581 1.3% 6,036 2.3% Key Metrics: Book Value Per Share $ 23.77 $ 23.56 $ 22.36 $ 0.21 0.9% $ 1.41 6.3% TCE Per Share (2) $ 18.94 $ 18.72 $ 17.73 $ 0.22 1.2% $ 1.21 6.8% Return on Average Assets (“ROAA”) (3) 1.19% 1.69% 1.65% -0.50% -0.46% Return on Average Equity (“ROAE”) (3) 8.82% 12.46% 12.48% -3.64% -3.66% Return on Average TCE (“ROATCE”) (2), (3) 11.08% 15.70% 13.85% -4.62% -2.77% Net Interest Margin (3) 3.55% 3.79% 4.01% -0.24% -0.46% Efficiency Ratio (4) 55.91% 54.08% 48.98% 1.83% 6.93% (1) Provision (reversal) for credit losses and ACL for reporting periods beginning with 1/1/23 are presented under ASC 326, while prior period comparisons continue to be presented under legacy ASC 450 and ASC 310 (2) Not presented in accordance with GAAP. See “Non-GAAP Measures” for reconciliation of these measures to their most comparable GAAP measures (3) Annualized (4) Calculated by dividing noninterest expense by the sum of net interest income and noninterest income

Loan Overview (1) Per regulatory definition in the Commercial Real Estate (“CRE”) Concentration Guidance 2Q23 Highlights • HFI loans Increased $30.0 million, or 1.4%, to $2.12 billion • CRE loans increased $23.3MM (1.6%), C&I loans increased $4.6MM (1.7%) & residential mortgage loans increased $2.7MM (0.8%)

Loan Production & Rate/Yield Analysis (1) Total commitment basis (2) Excluding SBA PPP loans (3) Include both HFI and HFS loans (4) Annualized Repricing Schedule (6/30/23) HFI Loans HFS Loans Total Loans ($ in thousands) Carrying Value WA Rate Carrying Value WA Rate Carrying Value WA Rate Less Than 3 Months $ 711,657 8.73% $ 13,065 9.62% $ 724,722 8.75% 3 to 12 Months 118,469 5.13% 0 118,469 5.13% 1 to 3 Years 401,553 4.54% 0 401,553 4.54% 3 to 5 Years 785,649 4.75% 0 785,649 4.75% More than 5 Years 105,099 4.76% 0 105,099 4.76% Total $ 2,122,427 6.07% $ 13,065 9.62% $ 2,135,492 6.09% Loan Yield Analysis 2Q23 06/23 YTD ($ in thousands) Amount(3) Yield(4) Amount(3) Yield(4) Average Carrying Value $ 2,097,489 $ 2,085,021 Interest on Loans $ 31,962 6.11% $ 62,345 6.03% Fee (Cost) 179 0.03% 301 0.03% Prepayment Penalty & Late Charges 68 0.01% 121 0.01% Discount (Premium) 751 0.14% 1,422 0.14% Total Interest & Fees $ 32,960 6.30% $ 64,189 6.21%

Carrying Value % to Total Count WA LTV(1) WA Rate Maturing ($ in thousands) <= 1 Year 2-3 Years 3-5 Years > 5 Years Retail (More than 50%) $ 316,290 21.4% 293 48.1% 5.85% $ 26,687 $ 92,026 $ 72,954 $ 124,623 Industrial 270,268 18.4% 166 50.7% 5.81% 42,919 50,670 60,527 116,152 Mixed Use 160,937 11.0% 146 45.3% 5.61% 13,462 36,687 56,948 53,840 Motel & Hotel 109,411 7.5% 111 49.8% 7.05% 10,298 3,591 24,238 71,284 Apartments 104,149 7.1% 53 52.2% 4.63% 4,133 8,543 39,066 52,407 Gas Station 101,471 6.9% 122 54.7% 6.46% 3,006 5,083 24,184 69,198 Office 81,149 5.5% 51 54.0% 5.46% 6,383 12,502 29,376 32,888 Medical 57,031 3.9% 29 41.5% 7.39% 11,999 490 29,963 14,579 Auto (Sales, Repair, & etc.) 39,174 2.7% 33 54.6% 5.52% 690 10,826 741 26,917 Car Wash 36,954 2.5% 31 50.7% 5.84% 1,485 11,821 8,189 15,459 Spa, Sauna, & Other Self-Care 29,904 2.0% 9 50.8% 5.00% - 13,578 434 15,892 Condominium (Commercial) 28,624 1.9% 37 47.8% 5.76% 2,897 8,287 7,502 9,938 Golf Course 27,670 1.9% 6 48.1% 4.37% 1,743 18,075 5,624 2,228 Wholesale 23,214 1.6% 17 43.5% 5.65% 3,435 4,384 1,999 13,396 Construction 16,942 1.2% 8 48.5% 9.25% 16,942 0 0 0 Church 9,686 0.7% 14 35.8% 4.89% 664 1,429 5,296 2,297 Others 55,635 3.8% 76 53.7% 6.19% 7,361 12,410 9,833 26,031 Total $ 1,468,509 100.0% 1,202 49.6% 5.89% $ 154,104 $ 290,402 $ 376,874 $ 647,129 Loan Concentration (1) Collateral value at origination Commercial Real Estate Loans by Property Type (6/30/23) ($ in thousands) Carrying Value WA LTV(1) WA FICO Residential Mortgage $ 359,655 59.7% 760 Residential Mortgage Loans (3/31/23)

Loan Concentration Carrying Value % to Total WA Rate WA Month to Maturity($ in thousands) Finance & Insurance $ 70,683 26.0% 7.82% 4 General Manufacturing & Wholesale Trade 52,526 19.3% 8.57% 20 Food Services 43,300 15.9% 8.92% 45 Retail Trade 33,730 12.4% 9.08% 57 Real Estate Related 32,302 11.9% 7.66% 20 Professional, Scientific, & Technical Services 15,489 5.7% 8.73% 17 Entertainment & Recreation 8,880 3.3% 6.99% 42 Transportation & Warehousing 4,621 1.7% 8.33% 12 Other Services 4,406 1.6% 8.07% 48 Health Care & Social Assistance 4,215 1.5% 9.01% 29 All Other 2,126 0.8% 7.70% 29 Total $ 272,278 100.0% 8.33% 26 Commercial & Industrial Loans by Industry Type (6/30/23)

Credit Quality & Peer(1) Comparison (1) Korean-American banks operating in Southern California (2) Source: UBPR (3) PCB Bank’s Peer Group per UBPR (4) Source: press releases concerning financial performance

Deposits (1) Not presented in accordance with GAAP. See “Non-GAAP Measures” for reconciliation of this measure to its most comparable GAAP measure. Time Deposit Maturity Schedule (6/30/23) Retail Wholesale Total ($ in thousands) Amount WA Rate Amount WA Rate Amount WA Rate Less Than 3 Months $ 89,413 3.59% $ 127,827 4.95% $ 217,240 4.39% 3 to 6 Months 302,013 4.20% 87,608 4.68% 389,621 4.31% 6 to 9 Months 317,428 4.51% 3,756 3.90% 321,184 4.50% 9 to 12 Months 130,096 4.55% 957 4.35% 131,053 4.55% More than 12 Months 4,652 2.87% 0 4,652 2.87% Total $ 843,602 4.30% $ 220,148 4.82% $ 1,063,750 4.41% 2Q23 Highlights • Total deposits increased $46.5MM (2.2%) and retail deposits increased $43.4MM (2.3%) • Uninsured deposits were $1.03B (47.3% of total deposits) compared to $1.02B (47.6% of total deposits) at 03/31/23

Profitability (1) PTPP (Pre-Tax Pre-Provision) income, and adjusted EPS, ROAA and ROAE for PTPP are not presented in accordance with GAAP. See “Non-GAAP measure” for reconciliations of these measures to their most comparable GAAP measures. 2Q23 Highlights • The decrease in PTPP income was primarily due to decreases in gain on sale of loans of $540K and net interest income of $697K. • PTPP income for 1Q23 included reversal for credit losses of $2.8MM, which the Company recognized provision for credit losses of $197K for 2Q23.

Noninterest Income & Expense (1) Annualized (2) Calculated by dividing noninterest expense by the sum of net interest income and noninterest income. Peer average data from UBPR (3) Full-time equivalent

Net Interest Margin (1) Annualized 2Q23 Highlights • Net interest income decreased $697K to $21.7MM from $22.4MM for 1Q23. • Net interest margin decreased to 3.55% from 3.79% for 1Q23 mainly due to an increase in cost of average interest-bearing liabilities, partially offset by an increase in yield on average interest- earning assets.

Capital (1) Not presented in accordance with GAAP. See “Non-GAAP Measures” for reconciliation of this measure to its most comparable GAAP measure.

Non-GAAP Measures To supplement the financial information presented in accordance with GAAP, we use certain non-GAAP financial measures. Management believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance. These measures are also useful in understanding performance trends and facilitate comparisons with the performance of other financial institutions. Risks associated with non-GAAP measures are the risk that persons might disagree as to the appropriateness of items comprising these measures and that different companies might calculate these measures differently. In the information below, we provide reconciliations of the non-GAAP financial measures used in this presentation to the most direct comparable GAAP measures. Core Deposits Core Deposits are a non-GAAP measure that we use to measure the portion of our total deposits that are thought to be more stable, lower cost and reprice less frequently on average in a rising rate environment. We calculate core deposits as total deposits less time deposits greater than $250,000 and brokered deposits. Management tracks its core deposits because management believes it is a useful measure to help assess the Company’s deposit base and, among other things, potential volatility therein. ROATCE, TCE Per Share and TCE to Total Assets ROATCE, TCE per share and TCE to total assets measures that we use to measure the Company’s performance. We calculated TCE as total shareholders’ equity excluding preferred stock. Management believes the non-GAAP measures provide useful supplemental information, and a clearer understanding of the Company’s performance. PTPP Income, and Adjusted ROAA, ROAE and Diluted EPS for PTPP PTPP income, and adjusted ROAA, ROAE and Diluted EPS are non-GAAP measures that we use to measure the Company’s performance and believe these presentations provide useful supplemental information, and a clearer understanding of the Company’s performance. We calculated PTPP income as net income excluding income tax provision and provision for loan losses.

Non-GAAP Measures The following table reconciles core deposits to their most comparable GAAP measures: ($ in thousands) Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Total Deposits (d) $ 1,832,666 $ 1,867,134 $ 1,910,379 $ 1,997,607 $ 1,978,098 $ 2,045,983 $ 2,141,689 $ 2,188,231 Less: Time Deposits Greater Than $250K (263,127) (272,269) (273,844) (246,024) (299,271) (413,876) (514,464) (511,590) Less: Brokered Deposits (65,004) (85,001) (35,001) (35,001) (79,131) (87,031) (157,020) (160,149) Core Deposits (e) $ 1,504,535 $ 1,509,864 $ 1,601,534 $ 1,716,582 $ 1,599,696 $ 1,545,076 $ 1,470,205 $ 1,516,492 Core Deposits to Total Deposits (e)/(d) 82.1% 80.9% 83.8% 85.9% 80.9% 75.5% 68.6% 69.3% The following table reconciles ROATCE to its most comparable GAAP measure: ($ in thousands) 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 Q123 Q223 Average Total Shareholders' Equity (a) $ 243,185 $ 251,477 $ 259,367 $ 292,135 $ 338,248 $ 334,832 $ 335,169 $ 339,869 Less: Average Preferred Stock 0 0 0 28,872 69,141 69,141 69,141 69,141 Average TCE (Non-GAAP) (b) $ 243,185 $ 251,477 $ 259,367 $ 263,263 $ 269,107 $ 265,691 $ 266,028 $ 270,728 Net Income (c) $ 11,023 $ 10,676 $ 10,240 $ 9,092 $ 6,953 $ 8,702 $ 10,297 $ 7,477 ROAE (1) (c)/(a) 17.98% 16.84% 16.01% 12.48% 8.16% 10.31% 12.46% 8.82% ROATCE (Non-GAAP)(1) (c)/(b) 17.98% 16.84% 16.01% 13.85% 10.25% 12.99% 15.70% 11.08% The following table reconciles TCE per share and TCE to total assets to their most comparable GAAP measures: ($ in thousands, except per share data) Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Total Shareholders' Equity (a) $ 247,598 $ 256,286 $ 261,058 $ 334,375 $ 332,719 $ 335,442 $ 336,830 $ 340,411 Less: Preferred Stock 0 0 0 69,141 69,141 69,141 69,141 69,141 TCE (Non-GAAP) (b) $ 247,598 $ 256,286 $ 261,058 $ 265,234 $ 263,578 $ 266,301 $ 267,689 $ 271,270 Outstanding Shares (c) 14,841,626 14,865,825 14,944,663 14,956,760 14,853,140 14,625,474 14,297,870 14,318,890 Book Value Per Share (a)/(c) $ 16.68 $ 17.24 $ 17.47 $ 22.36 $ 22.40 $ 22.94 $ 23.56 $ 23.77 TCE Per Share (Non-GAAP) (b)/(c) $ 16.68 $ 17.24 $ 17.47 $ 17.73 $ 17.75 $ 18.21 $ 18.72 $ 18.94 Total Assets (d) $ 2,104,699 $ 2,149,735 $ 2,199,742 $ 2,344,560 $ 2,327,051 $ 2,420,036 $ 2,500,524 $ 2,556,345 Total Shareholders’ Equity to Total Assets (a)/(d) 11.76% 11.92% 11.87% 14.26% 14.30% 13.86% 13.47% 13.32% TCE to Total Assets (Non-GAAP) (b)/(d) 11.76% 11.92% 11.87% 11.31% 11.33% 11.00% 10.71% 10.61%

Non-GAAP Measures (1) Provision (reversal) for credit losses does not include provision (reversal) for off-balance sheet credit exposures for periods prior to January 1, 2023. (2) Annualized. The following table reconciles PTPP income, and adjusted ROAA, ROAE and diluted EPS for PTPP to their most comparable GAAP measures: ($ in thousands) 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 Net Income (a) $ 11,023 $ 10,676 $ 10,240 $ 9,092 $ 6,953 $ 8,702 $ 10,297 $ 7,477 Add: Provision (Reversal) for Credit Losses(1) (1,053) (1,462) (1,191) (109) 3,753 1,149 (2,778) 197 Add: Income Tax Provision 4,613 4,551 4,159 3,771 2,798 3,688 4,162 3,073 PTPP Income (Non-GAAP) (b) $ 14,583 $ 13,765 $ 13,208 $ 12,754 $ 13,504 $ 13,539 $ 11,681 $ 10,747 Average Total Assets (c) $ 2,070,365 $ 2,111,834 $ 2,161,132 $ 2,208,059 $ 2,319,439 $ 2,395,712 $ 2,470,876 $ 2,520,752 ROAA (2) (a)/(c) 2.11% 2.01% 1.92% 1.65% 1.19% 1.44% 1.69% 1.19% Adjusted ROAA (Non-GAAP)(2) (b)/(c) 2.79% 2.59% 2.48% 2.32% 2.31% 2.24% 1.92% 1.71% Average Total Shareholders' Equity (d) $ 243,185 $ 251,477 $ 259,367 $ 292,135 $ 338,248 $ 334,832 $ 335,169 $ 339,869 ROAE (2) (a)/(d) 17.98% 16.84% 16.01% 12.48% 8.16% 10.31% 12.46% 8.82% Adjusted ROAE (Non-GAAP)(2) (b)/(d) 23.79% 21.72% 20.65% 17.51% 15.84% 16.04% 14.13% 12.68% Net Income $ 11,023 $ 10,676 $ 10,240 $ 9,092 $ 6,953 $ 8,702 $ 10,297 $ 7,477 Less: Income Allocated to Participating Securities (43) (40) (48) (42) (30) (37) (33) (24) Net Income Allocated to Common Stock (e) 10,980 10,636 10,192 9,050 6,923 8,665 10,264 7,453 Add: Provision for Loan Losses (1,053) (1,462) (1,191) (109) 3,753 1,149 (2,778) 197 Add: Income Tax Provision 4,613 4,551 4,159 3,771 2,798 3,688 4,162 3,073 PTPP Income Allocated to Common Stock (f) $ 14,540 $ 13,725 $ 13,160 $ 12,712 $ 13,474 $ 13,502 $ 11,648 $ 10,723 WA common shares outstanding, diluted (g) 15,031,558 15,093,351 15,141,693 15,122,452 15,088,089 14,904,106 14,574,929 14,356,776 Diluted EPS (e)/(g) $ 0.73 $ 0.70 $ 0.67 $ 0.60 $ 0.46 $ 0.58 $ 0.70 $ 0.52 Adjusted Diluted EPS (Non-GAAP) (f)/(g) $ 0.97 $ 0.91 $ 0.87 $ 0.84 $ 0.89 $ 0.91 $ 0.80 $ 0.75 ($ in thousands) 2018 2019 2020 2021 2022 06/22 YTD Net Income $ 24,301 $ 24,108 $ 16,175 $ 40,103 $ 34,987 $ 17,774 Add: Provision (Reversal) for Credit Losses(1) 1,231 4,237 13,219 (4,596) 3,602 (2,581) Add: Income Tax Provision 10,444 10,243 6,836 16,856 14,416 7,235 PTPP Income (Non-GAAP) $ 35,976 $ 38,588 $ 36,230 $ 52,363 $ 53,005 $ 22,428