FirstBank Growth and Efficiency

Total loan growth¹ ($mm) and commercial real estate concentration CAGR: 20.2% Consistent loan growth and balanced portfolio % of risk-based Capital Commercial real estate (CRE) concentration² 12/31/17 Pro Forma 6/30/18 6/30/183 $3,167 $3,416 C&D loans subject to 100% risk-based capital limit 96% 105% 100% $1,240 $1,341 $1,416 $1,702 $1,849 2012 2013 2014 2015 2016 2017 1H18 Total CRE loans subject to 300% risk-based capital limit 228% 239% 228% Loan portfolio breakdown¹ Other 4Q 2012 5% 1-4 family 19% C&I 38% 1-4 family HELOC 13% Multifamily 3% Other 2Q 2018 6% 1-4 family 15% 1-4 family HELOC 6% Multifamily C& 39% 2% C&D 15% CRE 14% C&D 8% Total Loans HFI: $1,240 million CRE 17% Total Loans HFI: $3,416 million 1 Exclude HFS loans; C&I includes owner-occupied CRE; CRE excludes owner-occupied CRE. 2 Risk-based capital at FirstBank as defined in Call Report. 2Q 2018 calculation is preliminary and subject to change. 3 Estimated to reflect planned sale of $3.3 billion in servicing rights, reducing disallowed MSR by $24 million and increasing total risk based capital on a pro forma basis. FB FirstBank 11

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