FirstBank Growth and Efficiency

Reconciliation of non-GAAP financial measures (cont'd) Total mortgage contribution, adjusted (Dollars in thousands) Mortgage segment pre-tax net contribution Retail footprint: Mortgage banking income Mortgage banking expenses Retail footprint pre-tax net contribution Total mortgage banking pre-tax net contribution Pre-tax net income 1H18 1H17 $ 3,027 $ 5,886 13,002 12,784 10,746 10,204 2,256 2,580 5,283 $ 8,466 55,095 32,991 % total mortgage banking pre-tax net contribution 9.6% 25.7% Pre-tax net income, adjusted 56,959 33,497 % total mortgage banking pre-tax net contribution, adjusted 9.3% 25.3% FB FirstBank 28

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