FirstBank Growth and Efficiency

Stable, low cost core deposit franchise Total deposits ($mm) Cost of deposits CAGR 14.9% Noninterest bearing (%) Cost of total deposits (%) 30.0% 25.7% 26.1% 24.2% 24.8% 25.0% 22.8% 19.8% 20.0% 18.7% $3,910 15.0% $3,664 0.78% 0.42% 0.59% ☐ 10.0% $2,438 $2,672 0.30% 0.29% 0.48% $1,821 $1,804 $1,924 5.0% 0.36% 0.0% 2012 2013 2014 2015 2016 2017 1H18 2012 2013 2014 2015 2016 2017 1H18 Noninterest bearing deposits ($mm)1 CAGR 21.0% Deposit composition as of June 30, 2018 Time 19% Savings 5% 1 Noninterest-bearing 25% $888 $971 $627 $697 $340 $357 $438 2012 2013 2014 2015 2016 2017 1H18 Money market 28% Interest-bearing checking 23% 48% Checking accounts 1 Includes mortgage servicing-related escrow deposits of $45.4 million and $53.7 million for the years ended December 31, 2016 and 2017, respectively, and $88.4 million for the quarter ended June 30, 2018. There were no mortgage servicing-related escrow deposits prior to those periods. [FB FirstBank 13

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