FirstBank Growth and Efficiency

Asset quality continues to improve Nonperforming ratios ■NPLs (HFI) / loans (HFI) ■NPAs / assets 4.17% 2.87% 2.12% 1.72% 1.53% 1.21% 1.01% 0.68% 0.86% 0.58% 0.54% 0.32% 0.52% 0.26% 2012 2013 2014 2015 2016 2017 1H18 LLR/loans Classified & PCI loans ($mm)² ■Classified ■Purchased credit impaired $89 $78 $70 $65 $55 $55 $58 $46 $21 $16 $0 $0 $0 2012 2013 2014 2015 2016 2017 1H18 Net charge-offs (recoveries) / average loans 3.11% 2.41% 2.05% 0.14% 0.35% 0.10% 0.07% 0.04% liim. J... 1.50% 1.18% 0.76% 0.77% (0.13%) 2017 (0.06%) 1H18 2012 2013 2014 2015 2016 2017 1H18 2012 2013 2014 2015 2016 1 Includes acquired excess land and facilities for all periods subsequent to the acquisition of the Clayton Banks and GNMA rebooked loans for the fourth quarter of 2017. 2 Classified loan data not available for 2012. [FB FirstBank 16

View entire presentation