Investor Presentaiton

Our Pro Forma Company Shreveport Huntsville Assets Atlanta Birmingham AL Loans MS Columbus Montgomery GA Albany Jackson LA Baton Rouge ( Hattiesburg Mobile Moultrie Valdosta Destin Pensacola Tallahassee New Orleans Panama City Beach Jacksonville FL FBMS Branch (74) FBMS LPO (4) SGB (8) Pro Forma Loans by State (1)(2) Florida 23% Georgia 16% Louisiana 17% Alabama 15% Mississippi 29% (1) Pro forma for recently completed acquisition of First Florida Bancorp, Inc. and announced acquisition of SGB (2) Excludes purchase accounting adjustments Source: S&P Global Market Intelligence Deposits Loans/Deposits Employees Branches Pro Forma (1) $4.5 Billion $3.0 Billion $3.6 Billion 83% 752 82 4 Loan Production Offices Pro Forma Deposits by State (1)(2) Florida 26% Georgia 14% Louisiana 16% Alabama 18% Mississippi 26% ST TheFirst BANCSHARES, INC. 13

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