FirstBank Growth and Efficiency

1H 2018 highlights Key highlights Adjusted diluted EPS¹ of $1.38, resulting in adjusted ROAA1 of 1.85% Loans (HFI) grew to $3.4 billion, a 73.3% increase from 2Q 2017; grew 15.8% annualized from 4Q 2017 Customer deposits grew to $3.8 billion, a 41.0% increase from 2Q 2017; grew 15.0% annualized from 4Q 2017, while controlling deposit costs of 0.59% Continued customer-focused balance sheet growth resulting in a net interest margin of 4.73% for 1H 2018 Banking Segment core efficiency ratio¹ improved to 53.4% in 1H 2018, down 520 basis points from FY 2017 Mortgage banking income of $55.0 million, a 0.5% decrease from 1H 2017, with interest rate lock commitment (IRLC) volume of $4.1 billion for the six months, up 9.3% from 1H 2017 Paid initial quarterly dividend of $0.06 per common share to shareholders of record as of April 30, 2018, driven by robust capital generation; declared dividend payable on August 15, 2018 Financial results Six months ended June 30, 2018 Reported Non-GAAP adjusted results¹ GAAP results Diluted earnings per share $1.38 $1.33 Net income ($mm) Net interest margin $43.4 $41.9 4.73%² 2 4.73% Return on average assets 1.85% 1.79% Return on average equity 14.4% 13.9% Return on average tangible common equity 19.1% 18.5% Efficiency ratio 63.7% 66.6% 1 Adjusted results are non-GAAP financial measures that adjust GAAP reported net income and other metrics for certain income and expense items as outlined in the non-GAAP reconciliation calculations, using a combined marginal income tax rate of 26.06% excluding one-time items. See "Use of non-GAAP financial measures" and "Reconciliation of non-GAAP financial measures" in the Appendix hereto. 2 Includes accretion from acquired / purchased loans and collection of interest income on nonaccrual loans, which resulted in 20 basis points of net interest margin during 1H 2018. Completed $151.8 million Secondary Offering on May 31, 2018 FB FirstBank 9

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