Rank The Banks. Georgia 2018 Q2

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1 Rank The Banks Georgia 2018 Q2

2 Disclosure Statement This material has been prepared by Banks Street Partners, LLC and its affiliate BSP Securities, LLC (collectively, BSP ) from certain publicly available data and third-party subscriptions. It is not investment research or a research recommendation, as it does not constitute substantive research or analysis. It is provided for informational purposes, intended for your use only, and does not constitute an invitation or offer to subscribe for or purchase any of the products or services mentioned. The information provided is not intended to provide a sufficient basis on which to make an investment decision. The information provided herein is as of the dates disclosed and does not constitute forward looking statements. The conclusions supported by this information is subject to change at any time without notice. BSP may, from time to time, participate or invest in transactions with issuers of securities that participate in the markets referred to herein, perform services for or solicit business from such issuers, and/or have a position or effect transactions in the securities or derivatives thereof. Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, expressed or implied is made regarding future performance. The information set forth above has been obtained from or based upon sources believed by BSP to be reliable, but BSP do not represent or warrant its accuracy or completeness and is not responsible for losses or damages arising out of errors, omissions or changes in market factors. This material does not purport to contain all of the information that an interested party may desire and, in fact, provides only a limited view of a particular market. IRS Circular 230 Disclosure: BSP and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters included herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone not affiliated with BSP of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties. This presentation is not to be considered a solicitation to buy or sell any securities and does not constitute a commitment by any BSP entity to underwrite, subscribe for or place any securities or to arrange credit or to provide any other services. 2

3 Banks Street Partners Professionals Seasoned professionals with more than 190 years of combined experience and more than 500 transactions in the financial services industry ATLANTA CHARLOTTE Lee Burrows Chief Executive Officer (404) Berkeley McKeown Associate (404) Gary McNorrill President (704) Mark Saunders Managing Director (404) Johnny Bond Analyst (404) Andy Hitt Managing Director (919) Jeff Adams Managing Director (404) Asher Kenen Analyst (404) Matt Kennedy Vice President (704) Will Brackett Senior Vice President (404) Nicole Mansfield Business Manager (404) Robby Rucho Analyst (404) Drew Taylor Senior Associate (404) Alison Pickett Executive Assistant (404) Kristen Ertz Project Manager & Human Resources (704)

4 Rankings Per State Bank Listing Company Name - City - Parent Company - Date Established - Number of Offices - Employees - S Corp? - - ROAA - ROAE Top 50 Ranking by City - Employees- Number of Offices - Deposits - Deposits/Office - /Office - Deposits/Employee - /Employee - Net Interest Margin City - - Yield on Loans - Loan Growth Rate - Cost of Funds - Deposit Growth Rate - Loans/Deposits - Yield on Investment Securities (FTE) - Net Interest Margin Noninterest Income City - - Net Income - Service Charge on Deposits/Avg - Gain on Sale of Loans/Avg. - Net Servicing Fees/Avg - Net Gains on OREO/Avg. - Noninterest Income - Noninterest Income/Avg Overhead City - - Efficiency Ratio (FTE) - Employees - Number of Offices - Personnel Expense/Avg. - Occupancy Expense/Avg. - Other Expense/Avg. - Overhead/Avg Asset Quality City - - Gross Loans - LLR/Gross Loans - Adj Loans 30-89PD/Gross Loans - Adj 90+ PD/Gross Loans - Adj NPLs + Adj OREO/Gross Loans - NCO/Avg Loans - Asset Quality Composite ROAE City - - LTM Net Income - Employees - LTM Net Income/Employee 2017Q2 LTM Net Income 2016Q2 LTM Net Income - ROAA - ROAE Overall City - - Net Interest Margin Rank - Noninterest Income Rank - Overhead Rank - Asset Quality Rank - ROAE Rank - Overall Rank 4

5 Excluded Banks & Calculation Notes Excluded Banks: Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which necessary data is not available as of this report CIBC National Trust Company Synovus Trust Company, N.A. Calculation Notes: All data in this report is bank level and is as of or for the 12 months ending June 30, 2018 (unless noted otherwise) For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 30% corporate tax rate (The corporate tax rate is calculated using the average of a 35% corporate tax rate for quarters in 2017 and a 25% corporate tax rate for quarters in 2018) Asset quality index is the sum of: (Adjusted Loans PD/Loans) + (Adjusted Loans 90 PD/Loans )+ (Adjusted NPLs/Loans) + (Adjusted OREO/Loans) + (Net Chargeoffs/Avg Loans). Adjustments are made to exclude loans for which repayment of principal is wholly or partially guaranteed by the US government Overall ranking is based on an unweighted average of Net Interest Margin rank, Noninterest Income rank, Overhead rank, Asset Quality rank and ROAE rank As usual, this quarter s BSP Rank The Banks utilizes only reported numbers per call reports filed by the institutions with regulators. LTM figures for some companies in this report may include material one-time charges incurred in the fourth quarter of 2017 primarily related to the change in tax laws 5

6 Georgia Bank Listing Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) AB&T Albany Community Capital Bancshares, Inc. 4/28/ No 178,303 (0.49) (4.90) Affinity Bank Atlanta ABB Financial Group, Inc. 9/3/ No 285, Altamaha Bank and Trust Company Vidalia Altamaha Bancshares, Inc. 7/1/ Yes 159, American Commerce Bank, National Association Bremen American Commerce Bancshares, Inc. 10/4/ No 269, American Pride Bank Macon American Bancorp, Inc. 12/12/ Yes 179, Ameris Bank Moultrie Ameris Bancorp 10/1/ ,882 No 11,098, Bank of Alapaha Alapaha Alapaha Holding Company 3/25/ No 157, Bank of Camilla Camilla Camilla Bancshares, Inc. 1/2/ No 102, Bank of Dade Trenton Tri-States Bankshares, Inc. 1/12/ Yes 105, Bank of Dawson Dawson Dawson Bancshares, Inc. 7/1/ Yes 118, Bank of Dudley Dublin Hogan Investments, LP 11/1/ No 221, Bank of Early Blakely One South Financial, Inc. 1/9/ Yes 125, Bank of Eastman Eastman Magnolia Bankshares, Inc. 10/14/ Yes 170, Bank of Edison Edison BOE Bancshares, Inc. 10/1/ Yes 46, Bank of Hancock County Sparta 9/1/ No 78, Bank of Hazlehurst Hazlehurst Hazlehurst Investors, Inc. 1/1/ Yes 123, Bank of LaFayette, Georgia Lafayette LaFayette Bankshares, Inc. 7/18/ No 255, Bank of Lumber City Lumber City 7/2/ No 24,268 (0.19) (1.21) Bank of Madison Madison Madison Bank Corp. 1/1/ No 219, Bank of Monticello Monticello Monticello Bancshares, Inc. 1/1/ Yes 107, Bank of Newington Newington 8/14/ No 133, Bank of Soperton Soperton Soperton Bancshares, Incorporated 6/1/ Yes 75, Bank of Terrell Dawson Georgia Community Bancorp, Incorporated 5/1/ Yes 156, Bank of Wrightsville Wrightsville Wrightsville Bancshares, Inc. 2/16/ Yes 56, BankSouth Greensboro BankSouth Holding Company 4/1/ Yes 616, Barwick Banking Company Barwick 1/1/ No 11,343 (0.07) (0.83) Brand Banking Company Lawrenceville Brand Group Holdings, Inc. 7/17/ No 2,242, Calumet Bank LaGrange LBC Bancshares, Inc. 1/23/ No 209, Capital Bank Fort Oglethorpe Catoosa Bancshares, Inc. 1/1/ Yes 123, Carver State Bank Savannah Carver Financial Corporation 2/23/ No 41, Century Bank and Trust Milledgeville Century Bancorp, Inc. 3/1/ No 247, Century Bank of Georgia Cartersville CBB Bancorp 6/29/ No 193, CharterBank West Point Charter Financial Corporation 6/24/ No 1,629, Citizens Bank Nashville Nashville Holding Company 11/5/ Yes 248, Citizens Bank & Trust Company Eastman Citizens Corporation 1/1/ Yes 132, Citizens Bank & Trust, Inc. Trenton TAG Bancshares, Inc. 1/18/ No 99, Citizens Bank of Americus Americus CBA Bankshares, Inc. 3/25/ No 314, Citizens Bank of Cochran Cochran Putnam-Greene Financial Corporation 7/1/ No 87,886 (0.21) (1.80) Citizens Bank of Forsyth County Cumming Forsyth Bancshares, Inc. 2/3/ No 307, Citizens Bank of Swainsboro Swainsboro Swainsboro Bankshares, Inc. 11/1/ No 204, Citizens Bank of The South Sandersville 5/3/ No 243, Citizens Community Bank Hahira CCB Bancshares, Inc. 2/21/ Yes 134, Citizens National Bank of Quitman Quitman 8/25/ No 98, Citizens State Bank of Taylor County Reynolds Georgia Community Bancorp, Incorporated 9/8/ Yes 56, Citizens Trust Bank Atlanta Citizens Bancshares Corporation 8/16/ No 399, ROAA ROAE 6

7 Georgia Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) Claxton Bank Claxton Southern Bankshares, Inc. 2/24/ Yes 124, Colony Bank Fitzgerald Colony Bankcorp, Inc. 4/15/ No 1,202, Commercial Bank Crawford TCB Bancshares, Inc. 9/5/ Yes 165, Commercial Banking Company Valdosta Lowndes Bancshares, Inc. 4/22/ No 229, Commercial State Bank Donalsonville Georgia Community Bancorp, Incorporated 12/16/ Yes 85, Community Bank & Trust - West Georgia LaGrange Community Bankshares, Inc. 12/15/ No 83,656 (0.02) (0.63) Community Bank of Georgia Baxley Community Bank of Georgia, Inc. 5/11/ No 75, Community Bank of Pickens County Jasper Community Banks of Georgia, Inc. 10/2/ No 350, Community Banking Company of Fitzgerald Fitzgerald CBC Holding Company 4/19/ No 152, Cornerstone Bank Atlanta Cornerstone Bancshares, Inc. 2/20/ No 233, Douglas National Bank Douglas DNB Financial Services, Inc. 11/19/ Yes 177, Durden Banking Company, Incorporated Twin City Durden Bankshares, Inc. 7/5/ Yes 171, Elberton Federal Savings & Loan Association Elberton 1/1/ No 24, Embassy National Bank Lawrenceville Embassy Bancshares, Inc. 3/5/ Yes 101, Exchange Bank Milledgeville Exchange Bankshares, Inc. 6/3/ No 251, F & M Bank and Trust Company Manchester F & M Holding Company, Inc. 2/2/ No 75,341 (0.32) (6.64) F&M Bank Washington Washington/Wilkes Holding Company 3/14/ No 264, Family Bank Pelham 1/1/ No 95, Farmers & Merchants Bank Lakeland FMB Bancshares, Inc. 5/22/ No 512, Farmers & Merchants Bank Statesboro FMB Equibanc, Inc. 2/4/ No 192,780 (0.43) (4.23) Farmers & Merchants Bank Eatonton Putnam-Greene Financial Corporation 10/26/ No 175,660 (0.28) (2.14) Farmers and Merchants Bank Sylvania Screven Bancshares, Inc. 3/1/ No 114, Farmers Bank Greensboro Putnam-Greene Financial Corporation 9/6/ No 91,659 (0.17) (1.18) Farmers State Bank Dublin Farmers Bancshares, Inc. 1/1/ Yes 126, Farmers State Bank Lincolnton Lincoln Bancshares, Inc. 9/26/ Yes 123, Fidelity Bank Atlanta Fidelity Southern Corporation 2/12/ ,418 No 4,891, First American Bank and Trust Company Athens First American Bancorp 12/31/ No 528, First Bank Dalton FBD Holding Company, Inc. 1/8/ No 354, First Bank of Coastal Georgia Pembroke Putnam-Greene Financial Corporation 1/1/ No 126, First Bank of Pike Molena 1/1/ No 46, First Century Bank, National Association Gainesville First Century Bancorp. 3/25/ No 138, First Chatham Bank Savannah FCB Financial Corp. 1/23/ No 369, First Covenant Bank Commerce 9/18/ No 141, First Federal Savings and Loan Association of Valdosta Valdosta 9/1/ No 181, First IC Bank Doraville First IC Corporation 1/31/ No 445, First Landmark Bank Marietta National Commerce Corporation 3/24/ No 589, First Madison Bank & Trust Athens 3/30/ No 238, First National Bank of Coffee County Douglas FNC Bancorp, Inc. 9/23/ Yes 180, First National Bank of Decatur County Bainbridge Bainbridge Bancshares, Inc. 4/5/ No 153, First National Bank of Griffin Griffin 5/12/ No 269, First National Bank of Waynesboro Waynesboro First Burke Banking Company 9/1/ No 139, First National Community Bank Chatsworth First Chatsworth Bankshares, Inc. 8/18/ No 165, First Peoples Bank Pine Mountain First Peoples Bankshares, Inc. 7/9/ No 125, First Port City Bank Bainbridge Port City Holding Company, Inc. 10/7/ No 182, First Southern Bank Patterson 6/19/ No 110,463 (0.82) (20.17) ROAA ROAE 7

8 Georgia Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) First State Bank Wrens CSRA Bank Corp. 7/6/ No 141, First State Bank of Blakely Blakely First State Bancshares of Blakely, Inc. 1/1/ No 512, First State Bank of Randolph County Cuthbert 10/3/ Yes 78, Flint Community Bank Albany Flint Community Bancshares, Inc. 2/3/ Yes 222, FNB South Alma First Bank Shares of the South East, Inc. 5/1/ No 372, Four County Bank Allentown Four County Bancshares, Inc. 9/15/ Yes 66, Geo. D. Warthen Bank Sandersville 1/1/ No 186, Georgia Banking Company Atlanta Georgia Banking Company, Inc. 11/1/ No 464, Georgia Heritage Bank Dallas 10/26/ No 94, Georgia Primary Bank Atlanta 10/22/ No 173, Glennville Bank Glennville GB Bank Group, Inc. 3/13/ No 237, Greater Community Bank Rome Greater Community Bancshares, Inc. 2/26/ Yes 175, Guardian Bank Valdosta WB&T Bankshares, Inc. 5/1/ Yes 399, Gwinnett Community Bank Duluth Community Financial Holding Company, Inc. 10/18/ No 247, Heritage Bank Hinesville Heritage Bancorporation, Inc. 11/15/ No 533,324 (0.87) (11.03) Heritage Bank Jonesboro CCF Holding Company 1/1/ No 493, Heritage First Bank Rome Heritage First Bancshares, Inc. 1/1/ Yes 130, Legacy State Bank Loganville 3/15/ No 96, Liberty First Bank Monroe 6/13/ Yes 129, Merchants & Citizens Bank McRae 2/23/ No 105, Metro City Bank Doraville MetroCity Bankshares, Inc. 4/4/ No 1,350, Morris Bank Dublin Morris State Bancshares, Inc. 11/29/ Yes 717, Mount Vernon Bank Mount Vernon Heart of Georgia Bancshares, Inc. 1/24/ Yes 130, Newton Federal Bank (MHC) Covington Community First Bancshares, MHC 11/14/ No 294, NOA Bank Duluth NOA Bancorp, Inc. 11/6/ Yes 351, North Georgia National Bank Calhoun North Georgia Community Financial Partners, Inc. 2/10/ No 131, Northeast Georgia Bank Lavonia First Security Bankshares, Inc. 1/1/ Yes 457, Northside Bank Adairsville Northside Bancshares, Inc. 9/26/ No 119,865 (0.68) (10.29) Oconee State Bank Watkinsville Oconee Financial Corporation 2/1/ No 339, Peach State Bank & Trust Gainesville Peach State Bancshares, Inc. 4/27/ No 218, Peoples Bank Lyons South Georgia Bankshares Corporation 1/1/ No 95, Peoples Bank Willacoochee Atkinson County Bankshares Corporation 9/24/ Yes 79, Peoples Bank Eatonton Peoples Bankshares, Inc. 7/15/ Yes 122, Peoples Bank & Trust Buford Peoples Banktrust, Inc. 12/13/ No 301, Peoples Bank of Georgia Talbotton 1/1/ No 80, PeoplesSouth Bank Colquitt PeoplesSouth Bancshares, Inc. 10/19/ No 751, Persons Banking Company Forsyth Persons Banking Company, Inc. 1/1/ Yes 317, Piedmont Bank Peachtree Corners Piedmont Bancorp, Inc. 11/6/ No 877, Pineland Bank Alma South Banking Company 9/13/ No 276, Pinnacle Bank Elberton Pinnacle Financial Corporation 3/12/ Yes 881, Planters and Citizens Bank Camilla P & C Bank Shares, Inc. 5/24/ No 97, Planters First Bank Hawkinsville Planters First Bancorp 1/1/ Yes 328, PrimeSouth Bank Waycross Jones Bancshares, L.P. 1/1/ No 549, Providence Bank Alpharetta 4/10/ No 85,187 (3.92) (29.79) Quantum National Bank Suwanee Quantum Capital Corp. 12/27/ Yes 470, ROAA ROAE 8

9 Georgia Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) Queensborough National Bank & Trust Company Louisville Queensborough Company 1/1/ No 1,117, Rabun County Bank Clayton Liberty Bancorp of Georgia, Inc. 10/10/ No 177, River City Bank Rome RCB Financial Corporation 5/23/ No 155, Rochelle State Bank Rochelle 8/1/ No 27, Security State Bank McRae Farmers Bancshares, Inc. 2/1/ Yes 47, Signature Bank of Georgia Sandy Springs 11/7/ No 101, South Coast Bank & Trust Brunswick WB&T Bankshares, Inc. 1/1/ Yes 123, South Georgia Bank Glennville South Group Bancshares, Inc. 4/9/ Yes 159, South Georgia Banking Company Tifton South Georgia Bank Holding Company 6/14/ No 440, SouthCrest Bank, N.A. Atlanta SouthCrest Financial Group, Inc. 1/1/ No 539, Southeast First National Bank Summerville Summerville/Trion Bancshares, Inc. 5/22/ No 58, Southeastern Bank Darien Southeastern Banking Corporation 1/1/ No 432, Southern Bank Sardis Sardis Bankshares, Inc. 7/2/ No 80, Southern Bank & Trust Clarkesville SBT Bancorp, Inc. 12/6/ No 176, Southwest Georgia Bank Moultrie Southwest Georgia Financial Corporation 1/3/ No 506, State Bank and Trust Company Macon State Bank Financial Corporation 10/3/ No 5,001, State Bank of Cochran Cochran Central Georgia Banking Company 1/5/ Yes 214, State Bank of Georgia Fayetteville 11/5/ No 96, SunMark Community Bank Hawkinsville SunMark Bancshares, Inc. 8/27/ Yes 265, SunTrust Bank Atlanta SunTrust Banks, Inc. 9/21/1891 1,240 21,481 No 202,064, Synovus Bank Columbus Synovus Financial Corp. 1/1/ ,226 No 31,625, Talbot State Bank Woodland TSB Bancorp, Inc. 11/25/ Yes 61, TC Federal Bank Thomasville 1/1/ No 281, Thomasville National Bank Thomasville Thomasville Bancshares, Inc. 10/2/ No 844, Touchmark National Bank Alpharetta Touchmark Bancshares, Inc. 1/28/ No 396, Trust Bank Lenox Trust Holding Company, Inc. 1/1/ Yes 35, United Bank Zebulon United Bank Corporation 1/31/ Yes 1,337, United Community Bank Blairsville United Community Banks, Inc. 3/1/ ,283 No 12,370, United National Bank Cairo 5/26/ No 215, Vidalia Federal Savings Bank Vidalia 9/1/ No 219, Vinings Bank Smyrna Vinings Bancshares, Inc. 7/9/ No 296, Waycross Bank & Trust Waycross WB&T Bankshares, Inc. 6/1/ Yes 158, West Central Georgia Bank Thomaston WCG Bancshares, Inc. 4/15/ No 128, WestSide Bank Hiram 8/8/ No 125, Wheeler County State Bank Alamo Wheeler Bancshares, Inc. 6/29/ Yes 102, Wilcox County State Bank Abbeville WCSB Holding Company, Inc. 7/15/ No 105, Wilkinson County Bank Irwinton 7/16/ No 48, ROAA ROAE 9

10 Georgia Asset Ranking Rank Company Name City Employees Number of Offices 10 Deposits Deposits / Office / Office Deposits / Employee / Employee 1 SunTrust Bank Atlanta 21,481 1, ,212, , ,955 7,691 9, ,064,278 2 Synovus Bank Columbus 4, ,834, , ,021 6,350 7,484 31,625,463 3 United Community Bank Blairsville 2, ,047,068 69,771 85,904 4,401 5,418 12,370,114 4 Ameris Bank Moultrie 1, ,770,226 64,487 81,606 4,660 5,897 11,098,391 5 State Bank and Trust Company Macon ,368, , ,573 5,558 6,364 5,001,898 6 Fidelity Bank Atlanta 1, ,084,946 58,356 69,881 2,881 3,450 4,891,659 7 Brand Banking Company Lawrenceville ,806, , ,209 3,853 4,782 2,242,881 8 CharterBank West Point ,342,340 61,015 74,074 3,902 4,737 1,629,638 9 Metro City Bank Doraville ,174,754 69,103 79,447 6,600 7,588 1,350, United Bank Zebulon ,204,273 66,904 74,316 3,128 3,475 1,337, Colony Bank Fitzgerald ,038,763 39,952 46,253 3,267 3,782 1,202, Queensborough National Bank & Trust Company Louisville ,011,209 40,448 44,706 3,231 3,571 1,117, Pinnacle Bank Elberton ,307 48,207 55,065 3,123 3, , Piedmont Bank Peachtree Corners ,887 75,189 87,752 5,967 6, , Thomasville National Bank Thomasville , , ,559 5,813 7, , PeoplesSouth Bank Colquitt ,457 23,464 25,915 3,526 3, , Morris Bank Dublin , , ,582 4,881 5, , BankSouth Greensboro ,816 78, ,720 1,491 1, , First Landmark Bank Marietta , , ,380 5,402 6, , PrimeSouth Bank Waycross ,810 68,687 78,449 3,909 4, , SouthCrest Bank, N.A. Atlanta ,786 49,865 59,916 3,869 4, , Heritage Bank Hinesville ,255 28,780 31,372 2,703 2, , First American Bank and Trust Company Athens ,147 70,358 88,005 4,352 5, , Farmers & Merchants Bank Lakeland ,743 76,957 85,490 3,913 4, , First State Bank of Blakely Blakely ,621 58,232 73,149 4,479 5, , Southwest Georgia Bank Moultrie ,189 59,598 72,406 3,566 4, , Heritage Bank Jonesboro ,669 71,112 82,241 3,844 4, , Quantum National Bank Suwanee , , ,749 7,499 8, , Georgia Banking Company Atlanta , , ,361 3,189 3, , Northeast Georgia Bank Lavonia ,298 34,192 38,106 4,103 4, , First IC Bank Doraville ,872 53,553 63,638 3,946 4, , South Georgia Banking Company Tifton ,581 47,198 55,008 3,433 4, , Southeastern Bank Darien ,307 38,331 43,247 3,582 4, , Citizens Trust Bank Atlanta ,921 44,240 49,927 3,765 4, , Guardian Bank Valdosta ,584 60,264 66,524 6,026 6, , Touchmark National Bank Alpharetta , , ,252 12,747 15, , FNB South Alma ,747 77,937 93,131 3,897 4, , First Chatham Bank Savannah ,596 47,942 52,783 3,948 4, , First Bank Dalton ,730 64,746 70,927 4,496 4, , NOA Bank Duluth ,657 57,531 70,393 3,508 4, , Community Bank of Pickens County Jasper , , ,233 5,424 6, , Oconee State Bank Watkinsville , , ,085 3,519 3, , Planters First Bank Hawkinsville ,981 29,898 32,882 2,669 2, , Persons Banking Company Forsyth ,581 49,764 52,883 3,143 3, , Citizens Bank of Americus Americus ,039 92, ,995 5,792 6, , Citizens Bank of Forsyth County Cumming ,183 69,546 76,972 5,455 6, , Peoples Bank & Trust Buford , , ,175 5,140 5, , Vinings Bank Smyrna , , ,500 6,738 8, , Newton Federal Bank (MHC) Covington , , ,487 2,603 3, , Affinity Bank Atlanta , , ,879 7,115 9, ,879

11 Georgia Net Interest Margin Ranking Rank Company Name City Yield on Loans 11 Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) 1 Trust Bank Lenox 35, (0.58) 0.46 (11.92) Bank of Soperton Soperton 75, Peoples Bank of Georgia Talbotton 80, Bank of Newington Newington 133, First State Bank Wrens 141, Community Bank of Georgia Baxley 75, (0.70) Georgia Heritage Bank Dallas 94, FNB South Alma 372, First Bank of Pike Molena 46, South Georgia Bank Glennville 159, Farmers State Bank Lincolnton 123, (2.02) 0.31 (1.63) Bank of Lumber City Lumber City 24, (1.02) Quantum National Bank Suwanee 470, Heritage First Bank Rome 130, Citizens Bank & Trust, Inc. Trenton 99, (3.40) 0.43 (2.08) Southern Bank Sardis 80, (5.40) 0.56 (0.75) Bank of Early Blakely 125, (4.72) Douglas National Bank Douglas 177, Family Bank Pelham 95, Pineland Bank Alma 276, (4.94) Durden Banking Company, Incorporated Twin City 171, State Bank of Georgia Fayetteville 96, Altamaha Bank and Trust Company Vidalia 159, (1.11) Morris Bank Dublin 717, First Peoples Bank Pine Mountain 125, Bank of Eastman Eastman 170, (3.21) SunMark Community Bank Hawkinsville 265, Community Bank & Trust - West Georgia LaGrange 83, (10.01) 0.26 (0.19) State Bank and Trust Company Macon 5,001, Bank of Dawson Dawson 118, (0.15) Wilcox County State Bank Abbeville 105, Pinnacle Bank Elberton 881, Greater Community Bank Rome 175, First Century Bank, National Association Gainesville 138, First Southern Bank Patterson 110, (3.74) First IC Bank Doraville 445, NOA Bank Duluth 351, Citizens Bank of The South Sandersville 243, Metro City Bank Doraville 1,350, Claxton Bank Claxton 124, WestSide Bank Hiram 125, (1.56) Bank of Terrell Dawson 156, (0.22) United National Bank Cairo 215, (2.39) Citizens State Bank of Taylor County Reynolds 56, (8.31) 0.49 (3.06) First Bank Dalton 354, Citizens Bank of Swainsboro Swainsboro 204, Geo. D. Warthen Bank Sandersville 186, Southern Bank & Trust Clarkesville 176, Carver State Bank Savannah 41, (5.33) BankSouth Greensboro 616, Net Interest Margin

12 Georgia Noninterest Income Ranking Rank Company Name City Net Income 12 Service Charges on Deposits/ Avg Gain on Sale of Loans/ Avg Net Servicing Fees/ Avg Net Gains on OREO/ Avg Noninterest Income 1 BankSouth Greensboro 616,317 8, , Carver State Bank Savannah 41, , Embassy National Bank Lawrenceville 101,002 3, , Fidelity Bank Atlanta 4,891,659 43, , Metro City Bank Doraville 1,350,606 38, , First IC Bank Doraville 445,469 9, , NOA Bank Duluth 351,964 9, (0.05) 8, First Century Bank, National Association Gainesville 138,407 2, , First Covenant Bank Commerce 141,148 3, , Planters First Bank Hawkinsville 328,823 3, , Georgia Banking Company Atlanta 464,721 4, , Waycross Bank & Trust Waycross 158,987 2, , Heritage Bank Hinesville 533,324 (4,704) (0.39) 9, F & M Bank and Trust Company Manchester 75,341 (239) , American Pride Bank Macon 179,663 3, , United Bank Zebulon 1,337,686 27, , Thomasville National Bank Thomasville 844,676 14, , First Landmark Bank Marietta 589,141 7, , Citizens Community Bank Hahira 134,762 2, (0.02) 2, SunTrust Bank Atlanta 202,064,278 2,728, (0.11) ,890, Pinnacle Bank Elberton 881,038 14, (0.03) 12, Douglas National Bank Douglas 177,766 5, , Queensborough National Bank & Trust Company Louisville 1,117,640 10, , First Chatham Bank Savannah 369,478 3, (0.16) 4, FNB South Alma 372,522 9, , Ameris Bank Moultrie 11,098,391 73, , CharterBank West Point 1,629,638 20, , Bank of Lumber City Lumber City 24,268 (44) Bank of Soperton Soperton 75,424 1, Citizens Trust Bank Atlanta 399,415 3, , Heritage First Bank Rome 130, , First American Bank and Trust Company Athens 528,028 5, (0.10) 5, Farmers State Bank Lincolnton 123,309 2, (0.07) 1, Trust Bank Lenox 35, Community Bank & Trust - West Georgia LaGrange 83,656 (20) (0.11) First National Bank of Waynesboro Waynesboro 139,255 1, , Community Bank of Pickens County Jasper 350,466 3, (0.53) 3, Capital Bank Fort Oglethorpe 123,760 1, , First Southern Bank Patterson 110,463 (870) , Community Banking Company of Fitzgerald Fitzgerald 152,433 2, , Brand Banking Company Lawrenceville 2,242,881 1, (0.46) 24, First National Bank of Griffin Griffin 269,009 5, , Bank of Eastman Eastman 170,083 1, , Georgia Heritage Bank Dallas 94,348 4, Synovus Bank Columbus 31,625, , (0.03) 300, Flint Community Bank Albany 222,409 3, (0.04) 2, Peoples Bank Eatonton 122, (0.10) 1, Bank of Dudley Dublin 221,757 2, , First National Community Bank Chatsworth 165, , State Bank and Trust Company Macon 5,001,898 59, , NonInterest Income/ Avg

13 Georgia Overhead Ranking Rank Company Name City Efficiency Ratio (FTE) 13 Employees Number of Offices Personnel Expense/ Avg. Occupancy Expense/ Avg. Other Expense/ Avg. 1 Touchmark National Bank Alpharetta 396, Vidalia Federal Savings Bank Vidalia 219, First Madison Bank & Trust Athens 238, Citizens Bank of Forsyth County Cumming 307, Northeast Georgia Bank Lavonia 457, Affinity Bank Atlanta 285, Citizens Bank of Americus Americus 314, First State Bank of Blakely Blakely 512, Synovus Bank Columbus 31,625, , Bank of LaFayette, Georgia Lafayette 255, First Port City Bank Bainbridge 182, United Community Bank Blairsville 12,370, , Quantum National Bank Suwanee 470, Guardian Bank Valdosta 399, Piedmont Bank Peachtree Corners 877, Bank of Hazlehurst Hazlehurst 123, Vinings Bank Smyrna 296, Barwick Banking Company Barwick 11, Citizens National Bank of Quitman Quitman 98, Thomasville National Bank Thomasville 844, Peoples Bank & Trust Buford 301, West Central Georgia Bank Thomaston 128, Merchants & Citizens Bank McRae 105, PeoplesSouth Bank Colquitt 751, First Bank of Coastal Georgia Pembroke 126, Farmers and Merchants Bank Sylvania 114, Commercial Bank Crawford 165, Metro City Bank Doraville 1,350, Bank of Alapaha Alapaha 157, SunTrust Bank Atlanta 202,064, ,481 1, Citizens Bank Nashville 248, South Georgia Banking Company Tifton 440, Southeast First National Bank Summerville 58, Rochelle State Bank Rochelle 27, Southeastern Bank Darien 432, Planters and Citizens Bank Camilla 97, Wilkinson County Bank Irwinton 48, Four County Bank Allentown 66, Calumet Bank LaGrange 209, Century Bank of Georgia Cartersville 193, Gwinnett Community Bank Duluth 247, First State Bank of Randolph County Cuthbert 78, State Bank of Cochran Cochran 214, Colony Bank Fitzgerald 1,202, Morris Bank Dublin 717, First American Bank and Trust Company Athens 528, Flint Community Bank Albany 222, Bank of Madison Madison 219, First Bank Dalton 354, FNB South Alma 372, Overhead/ Avg.

14 Georgia Asset Quality Ranking Rank Company Name City Gross Loans 14 Loan Loss Reserves/ Gross Loans Adj 30-89PD/ Gross Loans Adj 90+PD/ Gross Loans Adj NPLs + Adj OREO/ Gross Loans Net Chargeoffs/ Avg Loans 1 Barwick Banking Company Barwick 11,343 1, (0.06) (0.06) 2 First Madison Bank & Trust Athens 238, , Quantum National Bank Suwanee 470, , (0.01) South Coast Bank & Trust Brunswick 123, , Rochelle State Bank Rochelle 27,971 9, Peoples Bank Lyons 95,160 72, (0.11) Security State Bank McRae 47,038 23, Peach State Bank & Trust Gainesville 218, , BankSouth Greensboro 616, , (0.05) First National Bank of Coffee County Douglas 180, , Century Bank of Georgia Cartersville 193, , (1.13) AB&T Albany 178, , (0.03) State Bank of Georgia Fayetteville 96,162 81, Capital Bank Fort Oglethorpe 123,760 91, (0.06) Thomasville National Bank Thomasville 844, , First Port City Bank Bainbridge 182, , Pinnacle Bank Elberton 881, , Calumet Bank LaGrange 209, , Embassy National Bank Lawrenceville 101,002 76, (0.02) CharterBank West Point 1,629,638 1,166, (0.09) Affinity Bank Atlanta 285, , (0.05) NOA Bank Duluth 351, , Touchmark National Bank Alpharetta 396, , Bank of Soperton Soperton 75,424 59, (0.07) First Bank Dalton 354, , (0.02) Douglas National Bank Douglas 177, , (0.03) TC Federal Bank Thomasville 281, , (0.13) Piedmont Bank Peachtree Corners 877, , American Commerce Bank, National Association Bremen 269, , Metro City Bank Doraville 1,350,606 1,173, United Community Bank Blairsville 12,370,114 8,255, Waycross Bank & Trust Waycross 158,987 86, (0.38) Guardian Bank Valdosta 399, , (0.03) Commercial Bank Crawford 165, , Southwest Georgia Bank Moultrie 506, , Bank of Wrightsville Wrightsville 56,937 30, First IC Bank Doraville 445, , (0.04) State Bank and Trust Company Macon 5,001,898 3,660, First Landmark Bank Marietta 589, , First American Bank and Trust Company Athens 528, , Southeast First National Bank Summerville 58,278 18, Synovus Bank Columbus 31,625,463 25,213, Heritage Bank Jonesboro 493, , Greater Community Bank Rome 175, , (0.02) Planters and Citizens Bank Camilla 97,532 30, Southern Bank & Trust Clarkesville 176, , Community Banking Company of Fitzgerald Fitzgerald 152, , Fidelity Bank Atlanta 4,891,659 4,237, Citizens Bank of Americus Americus 314, , Oconee State Bank Watkinsville 339, , (0.01) 1.55 Asset Quality Composite

15 Georgia Return on Average Equity Ranking Rank Company Name City LTM Net Income 15 Employees LTM Net Income / Employee 2017Q2 LTM Net Income 2016Q2 LTM Net Income 1 Georgia Heritage Bank Dallas 94,348 4, , First National Bank of Griffin Griffin 269,009 5, , Metro City Bank Doraville 1,350,606 38, ,660 18, First Century Bank, National Association Gainesville 138,407 2, ,016 1, First Bank Dalton 354,634 5, ,652 3, Thomasville National Bank Thomasville 844,676 14, ,824 10, First Covenant Bank Commerce 141,148 3, , Bank of Soperton Soperton 75,424 1, FNB South Alma 372,522 9, ,194 6, NOA Bank Duluth 351,964 9, ,667 8, Douglas National Bank Douglas 177,766 5, ,358 4, Embassy National Bank Lawrenceville 101,002 3, ,627 1, Commercial Bank Crawford 165,102 3, ,050 2, United Bank Zebulon 1,337,686 27, ,590 19, First Madison Bank & Trust Athens 238,875 4, ,128 2, First IC Bank Doraville 445,469 9, ,142 6, Flint Community Bank Albany 222,409 3, ,771 1, First State Bank Wrens 141,524 1, ,297 1, Morris Bank Dublin 717,491 14, ,133 10, South Georgia Bank Glennville 159,710 3, ,737 2, Citizens Bank of Americus Americus 314,985 3, ,632 2, Quantum National Bank Suwanee 470,246 9, ,716 6, Peoples Bank Lyons 95,160 1, Rabun County Bank Clayton 177,101 2, ,454 1, Citizens Bank of Forsyth County Cumming 307,888 3, ,040 2, Bank of Newington Newington 133,648 1, ,788 1, First Port City Bank Bainbridge 182,590 2, ,170 2, Georgia Banking Company Atlanta 464,721 4, ,157 2, TC Federal Bank Thomasville 281,900 4, , Bank of Monticello Monticello 107,675 1, , Synovus Bank Columbus 31,625, ,783 4, , , Trust Bank Lenox 35, Waycross Bank & Trust Waycross 158,987 2, ,040 1, Wilcox County State Bank Abbeville 105,004 1, Georgia Primary Bank Atlanta 173,732 2, , Southern Bank & Trust Clarkesville 176,183 1, ,516 1, Community Banking Company of Fitzgerald Fitzgerald 152,433 2, ,367 1, SunTrust Bank Atlanta 202,064,278 2,728,839 21, ,024,056 2,043, Carver State Bank Savannah 41, (40) Bank of Terrell Dawson 156,806 2, ,938 1, Southwest Georgia Bank Moultrie 506,845 4, ,173 3, Citizens Community Bank Hahira 134,762 2, ,683 2, Northeast Georgia Bank Lavonia 457,268 6, ,539 4, Gwinnett Community Bank Duluth 247, (821) First American Bank and Trust Company Athens 528,028 5, ,992 3, Glennville Bank Glennville 237,046 2, ,746 2, First Chatham Bank Savannah 369,478 3, ,835 3, Guardian Bank Valdosta 399,145 4, ,424 3, Century Bank and Trust Milledgeville 247,941 2, ,384 2, State Bank and Trust Company Macon 5,001,898 59, ,703 52, ROAA ROAE

16 Georgia Overall Ranking Rank Company Name City Net Interest Margin Rank Noninterest Income Rank Overhead Rank Asset Quality Rank ROAE Rank Overall Rank 1 Metro City Bank Doraville 1,350, Douglas National Bank Douglas 177, Quantum National Bank Suwanee 470, First Madison Bank & Trust Athens 238, NOA Bank Duluth 351, Thomasville National Bank Thomasville 844, First Bank Dalton 354, Bank of Soperton Soperton 75, Synovus Bank Columbus 31,625, FNB South Alma 372, Commercial Bank Crawford 165, First IC Bank Doraville 445, Pinnacle Bank Elberton 881, State Bank and Trust Company Macon 5,001, Embassy National Bank Lawrenceville 101, Community Banking Company of Fitzgerald Fitzgerald 152, First Landmark Bank Marietta 589, First Port City Bank Bainbridge 182, Georgia Heritage Bank Dallas 94, South Georgia Bank Glennville 159, Peoples Bank Lyons 95, BankSouth Greensboro 616, CharterBank West Point 1,629, Capital Bank Fort Oglethorpe 123, Flint Community Bank Albany 222, Morris Bank Dublin 717, Citizens Bank of Americus Americus 314, First State Bank Wrens 141, First American Bank and Trust Company Athens 528, United Bank Zebulon 1,337, Piedmont Bank Peachtree Corners 877, Wilcox County State Bank Abbeville 105, First National Bank of Waynesboro Waynesboro 139, United Community Bank Blairsville 12,370, Century Bank of Georgia Cartersville 193, SunTrust Bank Atlanta 202,064, American Pride Bank Macon 179, First Century Bank, National Association Gainesville 138, First National Bank of Coffee County Douglas 180, Citizens Bank & Trust, Inc. Trenton 99, Citizens Bank of Swainsboro Swainsboro 204, Southern Bank & Trust Clarkesville 176, Southwest Georgia Bank Moultrie 506, Citizens Community Bank Hahira 134, Citizens Bank of Forsyth County Cumming 307, Bank of Dudley Dublin 221, South Georgia Banking Company Tifton 440, Waycross Bank & Trust Waycross 158, Calumet Bank LaGrange 209, PrimeSouth Bank Waycross 549, Northeast Georgia Bank Lavonia 457,

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