FirstBank Growth and Efficiency

Reconciliation of non-GAAP financial measures (cont'd) Return on average tangible common equity (Dollars in thousands) Total average shareholders' equity Less average goodwill Less intangibles, net Average tangible common equity 1H18 $ 607,708 137,190 13,671 $ 456,848 Net income $ Return on average tangible common equity 41,819 18.5% Return on average tangible common equity, adjusted (Dollars in thousands) Average tangible common equity Net income, adjusted Return on average tangible common equity, adjusted FB FirstBank 1H18 $ 456,848 43,372 19.1% 26

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