Central Bancompany, Inc.

Except as otherwise stated or the context otherwise requires, references in this Quarterly Report on Form 10-Q to:

•We, Our, Us, and the Company - Central Bancompany, Inc., and its subsidiaries

•the Bank - The Central Trust Bank

•Business Segments - Consumer Banking, Commercial Banking and Wealth Management

•ACL - Allowance for credit losses

•AFS - Available for sale

•ALCO - Asset/Liability Management Committee

•Articles -refers to our Second Amended and Restated Articles of Incorporation

•ASC- Accounting Standards Codification

•ASU - Accounting Standards Update

•bps- Basis points (one basis point equals 1/100 of 1 percent)

•Bylaws - refers to our Amended and Restated Bylaws

•CET1 -Common Equity Tier 1

•CODM - Chief Operating Decision Maker

•CRE - Commercial real estate

•CREPI - Commercial Real Estate Price Index

•ESPP -Employee stock purchase program

•Exchange Act- The Securities and Exchange Act of 1934, as amended

•EVE - Economic value of equity

•Federal Reserve - refers to the Board of Governors of the Federal Reserve System

•FDIC- The Federal Deposit Insurance Corporation

•FHLB - Federal Home Loan Bank

•FHLMC or Freddie Mac - Federal Home Loan Mortgage Corporation

•FNMA or Fannie Mae - Federal National Mortgage Association

•FRB - Federal Reserve Bank

•FTE - Fully-taxable equivalent

•FTP - Funds transfer pricing

•GAAP - Generally Accepted Accounting Principles in the U.S.

•GDP- Gross domestic product.

•GNMA or Ginnie Mae - Government National Mortgage Association

•HELOC - Home equity lines of credit

•HPI -House Price Index

•HTM - Held to maturity

•IORB - Interest on reserve balances

•IPO - Initial public offering

•IRLC - Interest rate lock commitments

•Nasdaq - National Association of Securities Dealers Automated Quotations, or Nasdaq Stock Market LLC

•NM - Not meaningful

•PCA - Prompt corrective action framework

•RMBS- Residential mortgage-backed securities

•ROAA - Annualized return on average assets

•SEC - U.S. Securities and Exchange Commission

•SERP - Supplemental Executive Retirement Plan

•U.S. - United States

•VISA - the Visa, U.S.A. Inc. card association or its affiliates, collectively