FirstBank Growth and Efficiency

Reconciliation of non-GAAP financial measures (cont'd) Pro forma return on average assets and equity, adjusted (Dollars in thousands) Pro forma Net income Average assets Average equity Pro forma return on average assets Pro forma return on average equity Pro forma net income, adjusted Pro forma return on average assets, adjusted 1H 2018 2017 2016 2015 2014 2013 2012 41,819 4,719,932 3,811,158 $ 52,398 $ 39,422 3,001,275 $ 32,995 $ 22,356 $ 18,612 $ 14,555 2,577,895 2,311,297 2,205,264 2,143,957 607,708 466,219 276,587 228,844 203,615 192,460 189,043 1.79% 1.37% 1.31% 1.28% 0.97% 0.84% 0.68% 13.9% 11.2% 14.3% 14.4% 11.0% 9.7% 7.7% 43,372 57,770 43,727 31,304 21,069 18,612 13,746 1.85% 1.52% 1.46% 1.21% 0.91% 0.84% 0.64% Pro forma return on average equity, adjusted 14.4% 12.4% 15.8% 13.7% 10.3% 9.7% 7.3% FB FirstBank 27 27

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