Texas Ratio % % % % ALLL / Total Loans % % % % ROAA % % %... 0.

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1 To: From: All Accountholders Carolyn C. Dyer, EVP & CFO Date: April 28, 216 Subject: Regulation F Information The First Quarter 216 Call Report for First National Bankers Bank is attached for your review. An abbreviated analysis of our performance is provided below. This comparison will hopefully ease your compliance with 12 CFR Part 26 Limitations on Interbank Liabilities (Regulation F) and Correspondent Concentration Risks Guidance. Mar 216 Dec 215 Sept 215 Jun 215 Common Equity Tier 1 Capital Ratio % % % % Tier 1 Risk Based Capital Ratio % % % % Total Risk Based Capital Ratio % % % % Leverage Ratio % % % % Loans 3 Days Past Due & Over / Total Loans....4%....5%....2%....% Non Accrual Loans / Total Loans % % % % Non Performing Assets / Total Assets % % % % Texas Ratio % % % % ALLL / Total Loans % % % % ROAA....62% % %....5% First National Bankers Bankshares, Inc. is the financial holding company of First National Bankers Bank; FNBB Services Corp.; FNBB Capital Markets, LLC and FNBB Insurance Agency, LLC. The current book value per common share of stock in First National Bankers Bankshares, Inc. is $ This calculation is based on 32,963 shares outstanding as of March 31, 216. Please contact me at if you have any questions or need any additional information Office Park Blvd., Baton Rouge, LA FAX

2 Consolidated Report of Income For the period January 1, 216 March 31, 216 All report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars. Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 5 of 85 RI-1 Schedule RI Income Statement 1. Interest income: a. Interest and fee income on loans: (1) Loans secured by real estate: Dollar Amounts in Thousands RIAD Bil Mil Thou (a) Loans secured by 1-4 family residential properties (b) All other loans secured by real estate ,477 1.a.1.a. 1.a.1.b. 1.a.2. (2) Commercial and industrial loans (3) Loans to individuals for household, family, and other personal expenditures: (a) Credit cards... B485 1.a.3.a. (b) Other (includes revolving credit plans other than credit cards, automobile loans, and other consumer loans)... (4) Loans to foreign governments and official institutions... (5) All other loans (1)... (6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))... b. Income from lease financing receivables... c. Interest income on balances due from depository institutions (2)... B ,46 5, a.3.b. 1.a.4. 1.a.5. 1.a.6. 1.b. 1.c. d. Interest and dividend income on securities: (1) U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)... B (2) Mortgage-backed securities... B (3) All other securities (includes securities issued by states and political subdivisions in the U.S.) e. Interest income from trading assets f. Interest income on federal funds sold and securities purchased under agreements to resell g. Other interest income h. Total interest income (sum of items 1.a.(6) through 1.g) , Interest expense: a. Interest on deposits: (1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) (2) Nontransaction accounts: (a) Savings deposits (includes MMDAs) (b) Time deposits of $1, or more... A (c) Time deposits of less than $1,... A518 b. Expense of federal funds purchased and securities sold under agreements to repurchase c. Interest on trading liabilities and other borrowed money Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans." 2 Includes interest income on time certificates of deposit not held for trading. 1.d.1. 1.d.2. 1.d.3. 1.e. 1.f. 1.g. 1.h. 2.a.1. 2.a.2.a. 2.a.2.b. 2.a.2.c. 2.b. 2.c. Reporting Period: March 31, 216 April 28, 216 2:53 PM

3 Schedule RI Continued Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 6 of 85 RI-2 Dollar Amounts in Thousands Year-to-date 2. Interest expense (continued): RIAD Bil Mil Thou d. Interest on subordinated notes and debentures... e. Total interest expense (sum of items 2.a through 2.d) d. 2.e. 3. Net interest income (item 1.h minus 2.e) , Provision for loan and lease losses Noninterest income: a. Income from fiduciary activities (1)... b. Service charges on deposit accounts... c. Trading revenue (2) A22 5.a. 5.b. 5.c. d. (1) Fees and commissions from securities brokerage... C886 5.d.1. (2) Investment banking, advisory, and underwriting fees and commissions... C888 5,46 (3) Fees and commissions from annuity sales... C887 (4) Underwriting income from insurance and reinsurance activities... C386 (5) Income from other insurance activities... C387 e. Venture capital revenue... B491 f. Net servicing fees... B492 g. Net securitization income... B493 h. Not applicable i. Net gains (losses) on sales of loans and leases j. Net gains (losses) on sales of other real estate owned k. Net gains (losses) on sales of other assets (excluding securities)... B496 l. Other noninterest income*... B497 2,321 m. Total noninterest income (sum of items 5.a through 5.l) , a. Realized gains (losses) on held-to-maturity securities... b. Realized gains (losses) on available-for-sale securities a. 6.b. 7. Noninterest expense: a. Salaries and employee benefits ,554 7.a. b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest)... c. (1) Goodwill impairment losses C b. 7.c.1. (2) Amortization expense and impairment losses for other intangible assets... d. Other noninterest expense*... C ,663 7.c.2. 7.d. e. Total noninterest expense (sum of items 7.a through 7.d) ,966 7.e. 8. Income (loss) before income taxes and extraordinary items and other adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) , Applicable income taxes (on item 8) Income (loss) before extraordinary items and other adjustments (item 8 minus item 9) Extraordinary items and other adjustments, net of income taxes* , Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of items 1 and 11)... G14 1, LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income, report as a positive value; if net loss, report as a negative value) Net income (loss) attributable to bank (item 12 minus item 13)... G , d.2. 5.d.3. 5.d.4. 5.d.5. 5.e. 5.f. 5.g. 5.i. 5.j. 5.k. 5.l. 5.m. * Describe on Schedule RI-E - Explanations 1 For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a, must equal the amount reported in Schedule RC-T, item For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c, must equal the sum of Memorandum items 8.a through 8.e. NOTE: The concept of extraordinary items has been eliminated from U.S. generally accepted accounting principles for fiscal years, and interim periods within those fiscal years, beginning after December 15, 215. References to extraordinary items in the captions for Schedule RI, items 8, 1, and 11, will be removed at a later date. Reporting Period: March 31, 216 April 28, 216 2:53 PM

4 Schedule RI Continued Memoranda Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 7 of 85 RI-3 Dollar Amounts in Thousands 1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after RIAD Year-to-date Bil Mil Thou August 7, 1986, that is not deductible for federal income tax purposes M.1. Memorandum item 2 is to be completed by banks with $1 billion or more in total assets. (1) 2. Income from the sale and servicing of mutual funds and annuities (included in Schedule RI, item 8) NR M Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (included in Schedule RI, items 1.a and 1.b) M Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule RI, item 1.d.(3)) M Number of full-time equivalent employees at end of current period (round to the nearest whole Number number) M.5. Memorandum item 6 is to be completed by: (1) banks with $3 million or more in total assets, and banks with less than $3 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent of total loans. 6. Interest and fee income on loans to finance agricultural production and other loans to farmers (included in Schedule RI, item 1.a.(5)) If the reporting institution has applied push down accounting this calendar year, RIAD CC YY MM DD report the date of the institution's acquisition (see instructions) (2) Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum items 8.a through 8.e must equal Schedule RI, item 5.c): Memorandum items 8.a through 8.e are to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or more for any quarter of the preceding calendar year. RIAD Bil Mil Thou a. Interest rate exposures... b. Foreign exchange exposures... c. Equity security and index exposures... d. Commodity and other exposures... e. Credit exposures F186 NR M.8.a. NR M.8.b. NR M.8.c. NR M.8.d. NR M.8.e. Memorandum items 8.f and 8.g are to be completed by banks with $1 billion or more in total assets that are required to complete Schedule RI, Memorandum items 8.a through 8.e, above (1). f. Impact on trading revenue of changes in the creditworthiness of the bank's derivatives counterparties on the bank's derivative assets (included in Memorandum items 8.a through 8.e above)... K9 NR M.8.f. g. Impact on trading revenue of changes in the creditworthiness of the bank on the bank's derivative liabilities (included in Memorandum items 8.a through 8.e above)... K94 NR M.8.g. 9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit exposures held outside the trading account: a. Net gains (losses) on credit derivatives held for trading... b. Net gains (losses) on credit derivatives held for purposes other than trading... C889 C89 M.9.a. M.9.b. 1. To be completed by banks with $3 million or more in total assets: (1) Credit losses on derivatives (see instructions)... A251 M.1. Year-to-date 11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes RIAD YES / NO for the current tax year?... A53 NO M The asset size tests and the 5 percent of total loans test are generally based on total assets and total loans reported in the June 3, 215, Report of Condition. 2 For example, a bank acquired on March 1, 216, would report M.6. M.7. Reporting Period: March 31, 216 April 28, 216 2:53 PM

5 Schedule RI Continued Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 8 of 85 RI-4 Memoranda Continued Dollar Amounts in Thousands Year-to-date RIAD Bil Mil Thou Memorandum item 12 is to be completed by banks that are required to complete Schedule RC-C, part I, Memorandum items 8.b and 8.c. 12. Noncash income from negative amortization on closed-end loans secured by 1-4 family residential properties (included in Schedule RI, item 1.a.(1)(a))... F228 NR Memorandum item 13 is to be completed by banks that have elected to account for assets and liabilities under a fair value option. 13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair value under a fair value option: a. Net gains (losses) on assets... F551 NR M.13.a. (1) Estimated net gains (losses) on loans attributable to changes in instrument-specific credit risk... b. Net gains (losses) on liabilities... F552 F553 NR M.13.a1. NR M.13.b. (1) Estimated net gains (losses) on liabilities attributable to changes in instrumentspecific credit risk... F554 NR M.13.b Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt securities: a. Total other-than-temporary impairment losses... b. Portion of losses recognized in other comprehensive income (before income taxes)... J319 J32 M.14.a. M.14.b. c. Net impairment losses recognized in earnings (included in Schedule RI, items 6.a and 6.b) (Memorandum item 14.a minus Memorandum item 14.b)... J321 M.14.c. Memorandum item 15 is to be completed by institutions with $1 billion or more in total assets (1) that answered Yes to Schedule RC-E, Memorandum item Components of service charges on deposit accounts in domestic offices (sum of Memorandum items 15.a through 15.d must equal Schedule RI, item 5.b): a. Consumer overdraft-related service charges levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use... H32 NR M.15.a. b. Consumer account periodic maintenance charges levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use... H33 NR M.15.b. c. Consumer customer automated teller machine (ATM) fees levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use... d. All other service charges on deposit accounts... H34 H35 NR M.15.c. NR M.15.d. 1 The $1 billion asset size test is generally based on the total assets reported on the June 3, 215, Report of Condition. M.12. Reporting Period: March 31, 216 April 28, 216 2:53 PM

6 Schedule RI-A Changes in Bank Equity Capital Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 9 of 85 RI-5 Dollar Amounts in Thousands 1. Total bank equity capital most recently reported for the December 31, 215, Reports of Condition RIAD Year-to-date Bil Mil Thou and Income (i.e., after adjustments from amended Reports of Income) , Cumulative effect of changes in accounting principles and corrections of material accounting errors* Balance end of previous calendar year as restated (sum of items 1 and 2) Net income (loss) attributable to bank (must equal Schedule RI, item 14)... B57 B ,199 1, Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions) Treasury stock transactions, net Changes incident to business combinations, net LESS: Cash dividends declared on preferred stock LESS: Cash dividends declared on common stock Other comprehensive income (1)... B59 B B Other transactions with stockholders (including a parent holding company)* (not included in items 5, 6, 8, or 9 above) Total bank equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 27.a) , * Describe on Schedule RI-E Explanations. 1 Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost. Schedule RI-B Charge-offs and Recoveries on Loans and Leases and Changes in Allowance for Loan and Lease Losses Part I. Charge-offs and Recoveries on Loans and Leases Part I includes charge-offs and recoveries through the allocated transfer risk reserve. (Column A) Charge-offs (1) (Column B) Recoveries Calendar year-to-date Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou 1. Loans secured by real estate: a. Construction, land development, and other land loans: (1) 1-4 family residential construction loans... C891 C892 1.a.1. (2) Other construction loans and all land development and other land loans... b. Secured by farmland... C C a.2. 1.b. c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit c.1. (2) Closed-end loans secured by 1-4 family residential properties: (a) Secured by first liens... (b) Secured by junior liens... d. Secured by multifamily (5 or more) residential properties... C234 C C217 C c.2.a. 1.c.2.b. 1.d. e. Secured by nonfarm nonresidential properties: (1) Loans secured by owner-occupied nonfarm nonresidential properties... (2) Loans secured by other nonfarm nonresidential properties Loans to depository institutions and acceptances of other banks... C895 C C896 C e.1. 1.e Not applicable 4. Commercial and industrial loans Include write-downs arising from transfers of loans to a held-for-sale account. Reporting Period: March 31, 216 April 28, 216 2:53 PM

7 Schedule RI-B Continued Part I Continued 1 Include write-downs arising from transfers of loans to a held-for-sale account. 2 Includes charge-offs and recoveries on "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of state and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans." Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 1 of 85 RI-6 (Column A) (Column B) Charge-offs (1) Recoveries Calendar year-to-date Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards... B514 B515 b. Automobile loans... K129 K133 c. Other (includes revolving credit plans other than credit cards and other consumer loans)... K25 K26 6. Loans to foreign governments and official institutions All other loans (2) Lease financing receivables Total (sum of items 1 through 8) (Column A) (Column B) Charge-offs (1) Recoveries Memoranda Calendar year-to-date Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou 1. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RI-B, part I, items 4 and 7, above M Memorandum items 2.a through 2.d are to be completed by banks with $3 million or more in total assets: (2) a. Loans secured by real estate to non-u.s. addressees (domicile) (included in Schedule RI-B, part I, item 1, above) M.2.a. b. Loans to and acceptances of foreign banks (included in Schedule RI-B, part I, item 2, above) M.2.b. c. Commercial and industrial loans to non-u.s. addressees (domicile) (included in Schedule RI-B, part I, item 4, above) M.2.c. d. Leases to individuals for household, family, and other personal expenditures (included in Schedule RI-B, part I, item 8, above)... F185 F187 M.2.d. 3. Memorandum item 3 is to be completed by: (2) banks with $3 million or more in total assets, and banks with less than $3 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent of total loans. Loans to finance agricultural production and other loans to farmers (included in Schedule RI-B, part I, item 7, above) M.3. Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $5 million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes. Calendar year-to-date 4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., not RIAD Bil Mil Thou included in charge-offs against the allowance for loan and lease losses)... C388 NR M.4. 5.a. 5.b. 5.c Include write-downs arising from transfers of loans to a held-for-sale account. 2 The $3 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 3, 215, Report of Condition. Reporting Period: March 31, 216 April 28, 216 2:53 PM

8 Schedule RI-B Continued Part II - Changes in Allowance for Loan and Lease Losses Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 11 of 85 RI-7 Dollar Amounts in Thousands RIAD Bil Mil Thou 1. Balance most recently reported for the December 31, 215, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income) Recoveries (must equal part I, item 9, column B, above)... B , LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, part II, item 4) LESS: Write-downs arising from transfers of loans to a held-for-sale account Provision for loan and lease losses (must equal Schedule RI, item 4) Adjustments* (see instructions for this schedule)... C C Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equal Schedule RC, item 4.c) ,25 7. * Describe on Schedule RI-E - Explanations. Memoranda Dollar Amounts in Thousands RIAD Bil Mil Thou 1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above... C435 M.1. Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $5 million as of the report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes. 2. Separate valuation allowance for uncollectible retail credit card fees and finance charges... C389 NR M Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges... C39 NR M.3. Memorandum item 4 is to be completed by all banks. 4. Amount of allowance for post-acquisition credit losses on purchased credit-impaired loans accounted for in accordance with FASB ASC 31-3 (former AICPA Statement of Position 3-3) (included in Schedule RI-B, part II, item 7, above)... C781 M.4. Reporting Period: March 31, 216 April 28, 216 2:53 PM

9 Schedule RI-C Disaggregated Data on the Allowance for Loan and Lease Losses Schedule RI-C is to be completed by institutions with $1 billion or more in total assets.¹ Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 12 of 85 RI-8 (Column A) (Column B) (Column C) (Column D) (Column E) (Column F) Recorded Investment: Allowance Balance: Recorded Investment: Allowance Balance: Recorded Investment: Allowance Balance: Individually Evaluated Individually Evaluated Collectively Evaluated Collectively Evaluated Purchased Credit- Purchased Creditfor Impairment and for Impairment and for Impairment for Impairment Impaired Loans Impaired Loans Determined to be Determined to be (ASC 45-2) (ASC 45-2) (ASC 31-3) (ASC 31-3) Impaired Impaired (ASC ) (ASC ) Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou 1. Real estate loans: a. Construction loans... M78 NR M79 NR M71 NR M711 NR M712 NR M713 NR 1.a. b. Commercial real estate loans... M714 NR M715 NR M716 NR M717 NR M719 NR M72 NR 1.b. c. Residential real estate loans... M Commercial loans²... M Credit Cards... M Other consumer loans... M Unallocated, if any... NR M722 NR M728 NR M734 NR M74 NR M723 NR M729 NR M735 NR M741 NR M724 NR M73 NR M736 NR M742 M745 NR M725 NR M731 NR M737 NR M743 NR NR M726 NR M732 NR M738 NR M744 NR 1.c. NR 2. NR 3. NR Total (for each column sum of 1.a through 5)³... M746 NR M747 NR M748 NR M749 NR M75 NR M751 NR 6. 1 The $1 billion asset size test is generally based on the total assets reported on the June 3, 215, Report of Condition. 2 Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule RI-C. 3 The sum of item 6, columns B, D, and F, must equal Schedule RC, item 4.c. Item 6, column E, must equal Schedule RC-C, part I, Memorandum item 7.b. Item 6, column F, must equal Schedule RI-B, part II, Memorandum item 4. Reporting Period: March 31, 216 April 28, 216 2:53 PM

10 Schedule RI-E Explanations Schedule RI-E is to be completed each quarter on a calender year-to-date basis. Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 13 of 85 RI-9 Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all significant items of other noninterest income and other noninterest expense in Schedule RI (See instructions for details.) Year-to-date Dollar Amounts in Thousands RIAD Bil Mil Thou 1. Other noninterest income (from Schedule RI, item 5.l) Itemize and describe amounts greater than $25, that exceed 3% of Schedule RI, item 5.l: a. Income and fees from the printing and sale of checks... b. Earnings on/increase in value of cash surrender value of life insurance... c. Income and fees from automated teller machines (ATMs)... d. Rent and other income from other real estate owned... e. Safe deposit box rent... f. Net change in the fair values of financial instruments accounted for under a fair value option... g. Bank card and credit card interchange fees... h. Gains on bargain purchases... C13 C14 C C15 F229 F555 J a. 1.b. 1.c. 1.d. 1.e. 1.f. 1.g. 1.h. TEXT i Consulting Fees i. TEXT j Communication j. TEXT k Account Analysis k. 2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amounts greater than $25, that exceed 3% of Schedule RI, item 7.d: a. Data processing expenses... b. Advertising and marketing expenses... c. Directors' fees... d. Printing, stationery, and supplies... e. Postage... f. Legal fees and expenses... g. FDIC deposit insurance assessments... h. Accounting and auditing expenses... i. Consulting and advisory expenses... j. Automated teller machine (ATM) and interchange expenses... k. Telecommunications expenses... C C F556 F557 F558 F a. 2.b. 2.c. 2.d. 2.e. 2.f. 2.g. 2.h. 2.i. 2.j. 2.k. TEXT l Investment and Safekeeping l. TEXT m Taxes m. TEXT n Travel, Meals, and Entertainment n. 3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI, item 11) (itemize and describe all extraordinary items and other adjustments): TEXT a. (1) a.1. (2) Applicable income tax effect a.2. TEXT b. (1) b.1. (2) Applicable income tax effect b.2. TEXT c. (1) c.1. (2) Applicable income tax effect c.2. NOTE: The concept of extraordinary items has been eliminated from U.S. generally accepted accounting principles for fiscal years, and interim periods within those fiscal years, beginning after December 15, 215. References to extraordinary items in the caption for Schedule RI-E, item 3, will be removed at a later date. Reporting Period: March 31, 216 April 28, 216 2:53 PM

11 Schedule RI-E Continued Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 14 of 85 RI-1 Dollar Amounts in Thousands 4. Cumulative effect of changes in accounting principles and corrections of material accounting errors (from Schedule RI-A, item 2) (itemize and describe all such effects): Year-to-date RIAD Bil Mil Thou TEXT a. B526 B526 4.a. TEXT b. B527 B527 4.b. 5. Other transactions with stockholders (including a parent holding company) (from Schedule RI-A, item 11) (itemize and describe all such transactions): TEXT a a. TEXT b b. 6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6) (itemize and describe all adjustments): TEXT a a. TEXT b b. 7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significant items affecting the Report of Income): RIAD YES / NO Comments? NO 7. Other explanations (please type or print clearly): (TEXT 4769) Reporting Period: March 31, 216 April 28, 216 2:53 PM

12 Consolidated Report of Condition for Insured Banks and Savings Associations for March 31, 216 Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 15 of 85 RC-1 All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter. Schedule RC Balance Sheet Dollar Amounts in Thousands RCON Tril Bil Mil Thou Assets 1. Cash and balances due from depository institutions (from Schedule RC-A): a. Noninterest-bearing balances and currency and coin (1) ,434 b. Interest-bearing balances (2) , Securities: a. Held-to-maturity securities (from Schedule RC-B, column A) b. Available-for-sale securities (from Schedule RC-B, column D) , Federal funds sold and securities purchased under agreements to resell: a. Federal funds sold... B987 37,455 b. Securities purchased under agreements to resell (3)... B989 1, 4. Loans and lease financing receivables (from Schedule RC-C): a. Loans and leases held for sale b. Loans and leases, net of unearned income... B ,532 c. LESS: Allowance for loan and lease losses ,25 d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)... B , Trading assets (from Schedule RC-D) Premises and fixed assets (including capitalized leases) , Other real estate owned (from Schedule RC-M) Investments in unconsolidated subsidiaries and associated companies Direct and indirect investments in real estate ventures Intangible assets: a. Goodwill b. Other intangible assets (from Schedule RC-M) Other assets (from Schedule RC-F) , Total assets (sum of items 1 through 11) ,424 Liabilities 13. Deposits: a. In domestic offices (sum of totals of columns A and C from Schedule RC-E) ,476 (1) Noninterest-bearing (4) ,514 (2) Interest-bearing ,962 b. Not applicable 14. Federal funds purchased and securities sold under agreements to repurchase: a. Federal funds purchased (5)... B ,125 b. Securities sold under agreements to repurchase (6)... B Trading liabilities (from Schedule RC-D) Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) (from Schedule RC-M) , and 18. Not applicable 19. Subordinated notes and debentures (7) Other liabilities (from Schedule RC-G) , Total liabilities (sum of items 13 through 2) , Not applicable 1 Includes cash items in process of collection and unposted debits. 2 Includes time certificates of deposit not held for trading. 3 Includes all securities resale agreements, regardless of maturity. 4 Includes noninterest-bearing, demand, time, and savings deposits. 5 Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money." 6 Includes all securities repurchase agreements, regardless of maturity. 7 Includes limited-life preferred stock and related surplus. 1.a. 1.b. 2.a. 2.b. 3.a. 3.b. 4.a. 4.b. 4.c. 4.d a. 1.b a. 13.a a a. 14.b Reporting Period: March 31, 216 April 28, 216 2:53 PM

13 Schedule RC Continued Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 16 of 85 RC-2 Memoranda To be reported with the March Report of Condition. Dollar Amounts in Thousands RCON 1. Indicate in the box at the right the number of the statement below that best describes the most comprehensive level of auditing work performed for the bank by independent external RCON Number auditors as of any date during M.1. 1 = Independent audit of the bank conducted in accordance with 4 = Directors examination of the bank conducted in accordance with generally accepted auditing standards by a certified public generally accepted auditing standards by a certified public accounting firm which submits a report on the bank accounting firm (may be required by state chartering authority) 2 = Independent audit of the bank s parent holding company conducted 5 = Directors examination of the bank performed by other external in accordance with generally accepted auditing standards auditors (may be required by state chartering authority) by a certified public accounting firm which submits a report on the 6 = Review of the bank s financial statements by external auditors consolidated holding company (but not on the bank separately) 7 = Compilation of the bank s financial statements by external 3 = Attestation on bank management s assertion on the effectiveness auditors of the bank s internal control over financial reporting by a 8 = Other audit procedures (excluding tax preparation work) certified public accounting firm 9 = No external audit work To be reported with the March Report of Condition. RCON MM/DD 2. Bank's fiscal year-end date /31 1 Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and accumulated defined benefit pension and other postretirement plan adjustments. 2 Includes treasury stock and unearned Employee Stock Ownership Plan shares. Tril Bil Mil Thou Equity Capital Bank Equity Capital 23. Perpetual preferred stock and related surplus Common stock , Surplus (excludes all surplus related to preferred stock) , a. Retained earnings ,223 b. Accumulated other comprehensive income (1)... B53 49 c. Other equity capital components (2)... A a. Total bank equity capital (sum of items 23 through 26.c) ,135 b. Noncontrolling (minority) interests in consolidated subsidiaries Total equity capital (sum of items 27.a and 27.b)... G15 149, Total liabilities and equity capital (sum of items 21 and 28) , a. 26.b. 26.c. 27.a. 27.b M.2. Reporting Period: March 31, 216 April 28, 216 2:53 PM

14 Schedule RC-A Cash and Balances Due From Depository Institutions Schedule RC-A is to be completed only by banks with $3 million or more in total assets. (1) Exclude assets held for trading. Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 17 of 85 RC-3 Dollar Amounts in Thousands RCON Bil Mil Thou 1. Cash items in process of collection, unposted debits, and currency and coin: a. Cash items in process of collection and unposted debits ,686 b. Currency and coin ,36 2. Balances due from depository institutions in the U.S.: a. U.S. branches and agencies of foreign banks b. Other commercial banks in the U.S. and other depository institutions in the U.S Balances due from banks in foreign countries and foreign central banks: a. Foreign branches of other U.S. banks b. Other banks in foreign countries and foreign central banks Balances due from Federal Reserve Banks , Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b) ,592 1 The $3 million asset size test is generally based on the total assets reported on the June 3, 215, Report of Condition. Schedule RC-B Securities Exclude assets held for trading. Held-to-maturity Available-for-sale (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou 1. U.S. Treasury securities , , U.S. Government agency obligations (exclude mortgage-backed securities): a. Issued by U.S. Government agencies (1) a. b. Issued by U.S. Governmentsponsored agencies (2) , ,85 2.b. 3. Securities issued by states and political subdivisions in the U.S , , Includes Small Business Administration Guaranteed Loan Pool Certificates, U.S. Maritime Administration obligations, and Export Import Bank participation certificates. 2 Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority. 1.a. 1.b. 2.a. 2.b. 3.a. 3.b Reporting Period: March 31, 216 April 28, 216 2:53 PM

15 Schedule RC-B Continued Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 18 of 85 RC-4 Held-to-maturity Available-for-sale (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou 4. Mortgage-backed securities (MBS): a. Residential mortgage pass-through securities: (1) Guaranteed by GNMA... G3 G31 G32 2,665 G33 2,717 (2) Issued by FNMA and FHLMC... G34 G35 G36 36,918 G37 37,133 (3) Other pass-through securities... G38 G39 G31 G311 b. Other residential mortgage-backed securities (include CMOs, REMICs, and stripped MBS): (1) Issued or guaranteed by U.S. Government agencies or sponsored agencies¹... G312 G313 G314 17,46 G315 17,259 (2) Collateralized by MBS issued or guaranteed by U.S. Government agencies or sponsored agencies¹... G316 G317 G318 G319 (3) All other residential MBS... G32 G321 G322 G323 c. Commercial MBS: (1) Commercial mortgage passthrough securities: (a) Issued or guaranteed by FNMA, FHLMC, or GNMA... K142 K143 K144 K145 (b) Other passthrough securities... K146 K147 K148 K149 1 U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA). 4.a.1. 4.a.2. 4.a.3. 4.b.1. 4.b.2. 4.b.3. 4.c.1.a. 4.c.1.b. Reporting Period: March 31, 216 April 28, 216 2:53 PM

16 Schedule RC-B Continued Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 19 of 85 RC-5 Held-to-maturity Available-for-sale (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou 4. c.(2) Other commercial MBS: (a) Issued or guaranteed by U.S. Government agencies or sponsored agencies¹... K15 K151 K152 K153 4.c.2.a. (b) All other commercial MBS... K154 K155 K156 K157 4.c.2.b. 5. Asset-backed securities and structured financial products: a. Asset-backed securities (ABS)... C26 C988 C989 C27 5.a. b. Structured financial poducts: (1) Cash... (2) Synthetic... (3) Hybrid... G336 G34 G344 G337 G341 G345 G338 G342 G346 G339 G343 G347 5.b.1. 5.b.2. 5.b Other debt securities: a. Other domestic debt securities a. a. Other foreign debt securities b. 7. Investments in mutual funds and other equity securities with readily determinable fair values (2)... A51 A Total (sum of items 1 through 7) (total of column A must equal Schedule RC, item 2.a) (total of column D must equal Schedule RC, item 2.b) , , U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA). 2 Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers bank stock in Schedule RC-F, item 4. Reporting Period: March 31, 216 April 28, 216 2:53 PM

17 Schedule RC-B Continued 1 Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value. 2 Exclude investments in mutual funds and other equity securities with readily determinable fair values. 3 Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date. 4 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5, and 6, columns A and D, plus residential mortgage pass-through securities other than those backed by closed-end first lien 1 4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. 5 Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1 4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of residential mortgage pass-through securities other than those backed by closedend first lien 1 4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. 6 Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual Other mortgage-backed securities included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D. Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 2 of 85 RC-6 Memoranda Dollar Amounts in Thousands RCON Bil Mil Thou 1. Pledged securities (1) ,169 M Maturity and repricing data for debt securities (1), (2) (excluding those in nonaccrual status): a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: (3), (4) (1) Three months or less... (2) Over three months through 12 months... (3) Over one year through three years... (4) Over three years through five years... (5) Over five years through 15 years... (6) Over 15 years... A549 A55 A551 A552 A553 A554 2,573 1,448 5,418 17,26 25,835 M.2.a.1. M.2.a.2. M.2.a.3. M.2.a.4. M.2.a.5. M.2.a.6. b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: (3), (5) (1) Three months or less... (2) Over three months through 12 months... (3) Over one year through three years... (4) Over three years through five years... (5) Over five years through 15 years... (6) Over 15 years... A555 A556 A557 A558 A559 A56 39,759 9 M.2.b.1. M.2.b.2. M.2.b.3. M.2.b.4. M.2.b.5. M.2.b.6. c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude mortgage pass-through securities) with an expected average life of: (6) (1) Three years or less... (2) Over three years... A561 A562 11,539 5,72 M.2.c.1. M.2.c.2. d. Debt securities with a REMAINING MATURITY of one year or less (included in Memorandum items 2.a through 2.c above)... A248 4,21 M.2.d. 3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) M Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule RC-B, items 2, 3, 5, and 6): a. Amortized cost b. Fair value M.4.a. M.4.b. Reporting Period: March 31, 216 April 28, 216 2:53 PM

18 Schedule RC-B Continued Memoranda Continued Dollar Amounts in Thousands Memorandum items 5.a through 5.f are to be completed by banks with $1 billion or more in total assets. (1) Held-to-maturity Submitted to CDR on 4/25/216 at 4:5 PM 5. Asset-backed securities (ABS) (for each column, sum of Memorandum items 5.a through 5.f must equal Schedule RC-B, item 5.a): a. Credit card receivables... b. Home equity lines... c. Automobile loans... B838 B842 B846 NR B839 NR B843 NR B847 NR B84 NR B844 NR B848 NR B841 NR B845 NR B849 NR M.5.a. NR M.5.b. NR M.5.c. d. Other consumer loans... B85 NR B851 NR B852 NR B853 NR M.5.d. e. Commercial and industrial loans... f. Other... B854 B858 NR B855 NR B859 NR B856 NR B86 NR B857 NR B861 NR M.5.e. NR M.5.f. 1 The $1 billion asset size test is generally based on the total assets reported on the June 3, 215, Report of Condition. Available-for-sale FFIEC 41 Page 21 of 85 RC-7 (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou Reporting Period: March 31, 216 April 28, 216 2:53 PM

19 Schedule RC-B Continued Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 22 of 85 RC-8 Memoranda Continued Held-to-maturity Available-for-sale (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou 6. Structured financial products by underlying collateral or reference assets (for each column, sum of Memorandum items 6.a through 6.g must equal Schedule RC-B, sum of items 5.b(1) through (3)): a. Trust preferred securities issued by financial institutions... G348 G349 G35 G351 M.6.a. b. Trust preferred securities issued by real estate investment trusts... G352 G353 G354 G355 M.6.b. c. Corporate and similar loans... G356 G357 G358 G359 M.6.c. d. 1-4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises (GSEs)... G36 G361 G362 G363 M.6.d. e. 1-4 family residential MBS not issued or guaranteed by GSEs... G364 G365 G366 G367 M.6.e. f. Diversified (mixed) pools of structured financial products... G368 G369 G37 G371 g. Other collateral or reference assets... G372 G373 G374 G375 M.6.f. M.6.g. Reporting Period: March 31, 216 April 28, 216 2:53 PM

20 Schedule RC-C Loans and Lease Financing Receivables Part I. Loans and Leases Submitted to CDR on 4/25/216 at 4:5 PM FFIEC 41 Page 23 of 85 RC-9 Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule. Report (1) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper. (Column A) To Be Completed by Banks with $3 Million or More in Total Assets (1) (Column B) To Be Completed by All Banks Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou 1. Loans secured by real estate: a. Construction, land development, and other land loans: (1) 1-4 family residential construction loans... F158 2,926 (2) Other construction loans and all land development and other land loans... F159 77,79 b. Secured by farmland (including farm residential and other improvements) ,177 c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit (2) Closed-end loans secured by 1-4 family residential properties: (a) Secured by first liens ,48 (b) Secured by junior liens d. Secured by multifamily (5 or more) residential properties ,722 e. Secured by nonfarm nonresidential properties: (1) Loans secured by owner-occupied nonfarm nonresidential properties... F16 56,421 (2) Loans secured by other nonfarm nonresidential properties... F161 15, Loans to depository institutions and acceptances of other banks a. To commercial banks in the U.S.: (1) To U.S. branches and agencies of foreign banks... B532 (2) To other commercial banks in the U.S... B533 b. To other depository institutions in the U.S... B534 c. To banks in foreign countries: (1) To foreign branches of other U.S. banks... B536 (2) To other banks in foreign countries... B Loans to finance agricultural production and other loans to farmers Commercial and industrial loans ,79 a. To U.S. addressees (domicile) ,79 b. To non-u.s. addressees (domicile) Not applicable 6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): a. Credit Cards... b. Other revolving credit plans... c. Automobile loans... B538 B539 K137 6.a. 6.b. 6.c. d. Other consumer loans (includes single payment and installment loans other than automobile loans and all student loans)... K27 6.d. 7. Loans to foreign governments and official institutions (including foreign central banks) Obligations (other than securities and leases) of states and political subdivisions in the U.S The $3 million asset size test is generally based on the total assets reported on the June 3, 215, Report of Condition. 1.a.1. 1.a.2. 1.b. 1.c.1. 1.c.2.a. 1.c.2.b. 1.d. 1.e.1. 1.e a.1. 2.a.2. 2.b. 2.c.1. 2.c a. 4.b. Reporting Period: March 31, 216 April 28, 216 2:53 PM