Investor Presentaiton
Summary of Our Due Diligence
Experienced in successfully executing and integrating M&A transactions
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FBMS management has successfully executed multiple M&A transactions in their recent history
SGB and FBMS use the same core software platform Jack Henry Silverlake
Increases the probability of a smooth integration process for employees and customers
Extensive credit review
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Reviewed loans in all product lines, with particular focus on commercial real estate
Analyzed 100% of classified loans and 100% of loans with balances over $1.0 million
In total, approximately 50% of loans by book balance of Southwest Georgia Bank were reviewed
Comprehensive operational due diligence performed
Detailed review of business plans, budgets, credit processes, among other aspects of the
businesses
In depth evaluation of personnel at both companies to build the most efficient team for the
combined company
ST TheFirst
BANCSHARES, INC.View entire presentation