Rank The Banks. Tennessee 2016 Q2

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1 Rank The Banks Tennessee 2016 Q2

2 Disclosure Statement This material has been prepared by individual personnel of Banks Street Partners, LLC and its affiliates BSP Securities, LLC and not by a research department. It is not investment research or a research recommendation, as it does not constitute substantive research or analysis. It is provided for informational purposes, is 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. It is intended only to provide observations and views of individual personnel, which may be different from, or inconsistent with, the observations and views other BANKS STREET PARTNERS, LLC personnel. Observations and views expressed herein may be changed by the personnel at any time without notice. BANKS STREET PARTNERS, LLC 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 the personnel to be reliable, but each of the personnel and BANKS STREET PARTNERS, LLC 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 180 years of combined experience and more than 1,000 transactions in the financial services industry ATLANTA CHARLOTTE Lee Burrows Chief Executive Officer Mark Saunders Managing Director Jeff Adams Managing Director Will Brackett Senior Vice President Joe Maloney Senior Vice President/Analyst William Izlar Associate Berkeley McKeown Analyst Nicole Mansfield Chief Marketing Officer Rick Flores Chief Compliance Offer Alison Pickett Business Manager Gary McNorrill Managing Director gmcnorrill@banksstreetpartners.com Andy Hitt Managing Director ahitt@banksstreetpartners.com Matt Kennedy Associate mkennedy@banksstreetpartners.com Sam Poole Analyst spoole@banksstreetpartners.com

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 - Assets/Office - Deposits/Employee - Assets/Employee - Assets 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 Assets - Gain on Sale of Loans/Avg. Assets - Net Servicing Fees/Avg Assets - Net Gains on OREO/Avg. Assets - Noninterest Income - Noninterest Income/Avg Assets Overhead City - - Efficiency Ratio (FTE) - Employees - Number of Offices - Personnel Expense/Avg. Assets - Occupancy Expense/Avg. Assets - Other Expense/Avg. Assets - Overhead/Avg Assets 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 Q2 LTM Net Income Q2 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. Independence Trust Company Calculation Notes: All data in this report is bank-level and is as of or for the 12 months ending June 30, For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 34% corporate tax rate on net income 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 5

6 Tennessee Bank Listing Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) American Bank & Trust of the Cumberlands Livingston American Bancshares Corp. 08/13/ Yes 216, American City Bank Tullahoma Clayton HC, Inc. 07/01/ Yes 273, American Patriot Bank Greeneville American Patriot Financial Group, Inc. 07/09/ No 59, American Trust Bank of East Tennessee Knoxville 02/05/ No 139, Andrew Johnson Bank Greeneville Andrew Johnson Bancshares, Inc. 05/12/ No 334, Apex Bank Camden Clayton HC, Inc. 02/27/ No 386, Athens Federal Community Bank, National Association Athens Athens Bancshares Corporation 08/01/ No 412, Atlantic Capital Bank, National Association Chattanooga Atlantic Capital Bancshares, Inc. 01/01/ No 2,806, Bank of Bartlett Bartlett West Tennessee Bancshares, Inc. 05/19/ No 350, Bank of Cleveland Cleveland Bradley County Financial Corp. 05/08/ No 238, Bank of Crockett Bells Security Bancorp of Tennessee, Inc. 1/1/ No 147, Bank of Dickson Dickson Dickson Financial Corporation 05/26/ No 225, Bank of Fayette County Piperton Moscow Bancshares, Inc. 05/10/ No 443, Bank of Frankewing Frankewing Frankewing Bancshares, Inc. 02/01/ No 219, Bank of Gleason Gleason Bancshares of Gleason, Inc. 01/01/ No 118, Bank of Halls Halls Security Bancorp of Tennessee, Inc. 10/8/ No 73, Bank of Jackson Jackson WestTenn Bancorp Inc. 10/01/ No 165, Bank of Lincoln County Fayetteville 07/22/ No 130, Bank of Milan Milan Hometown Bancorp, Inc. 11/12/ Yes 63, Bank of Perry County Lobelville 09/01/ Yes 152, Bank of Putnam County Cookeville B.P.C. Corporation 11/01/ Yes 726, Bank of Ripley Ripley Bancshares of Ripley, Inc. 07/14/ No 210, Bank of Tennessee Kingsport BancTenn Corp. 05/13/ Yes 1,011, Bank of Waynesboro Waynesboro FCB Corporation 01/01/ No 150, BankTennessee Collierville BankTennessee Bancshares, Inc. 10/01/ Yes 283, Brighton Bank Brighton Brighton Bancorp, Inc. 10/10/ No 55, CapStar Bank Nashville CapStar Financial Holdings, Inc. 07/14/ No 1,310, Carroll Bank and Trust Huntingdon Carroll Financial Services, Inc. 09/09/ No 268, CBBC Bank Maryville Twin Cities Financial Services, Inc. 09/24/ No 335, CedarStone Bank Lebanon CedarStone Financial, Inc. 04/19/ No 166, Centennial Bank Trezevant F & M Bancshares, Inc. 01/21/ No 363, Central Bank Savannah 07/01/ No 97, Chester County Bank Henderson Chester County Bancshares, Inc. 04/22/ No 70, Citizens Bank Carthage 10/26/ No 558, Citizens Bank Hartsville Cumberland Bancshares, Inc. 10/01/ No 205, Citizens Bank Elizabethton Citco Community Bancshares, Inc. 11/03/ Yes 750, Citizens Bank New Tazewell Citizens Bancorp, Inc. 01/01/ No 162, Citizens Bank & Trust Company Atwood Bumpushares, Inc. 02/05/ Yes 25, Citizens Bank and Trust Company of Grainger County Rutledge Citizens of Grainger County Corporation 11/01/ No 202, Citizens Bank of Lafayette Lafayette Citizens Bancorp Investment, Inc. 07/01/ No 852, Citizens Community Bank Winchester Citizens Community Bancshares, Inc. 11/19/ No 203, Citizens First Bank Wartburg CFB Bancshares, Inc. 02/10/ No 159, Citizens National Bank Athens Citizens National Bancorp, Inc. 01/01/ Yes 556, Citizens National Bank Sevierville CNB Bancshares, Inc. 02/05/ Yes 930, Citizens Savings Bank and Trust Company Nashville CSB&T Bancorp, Inc. 01/04/ No 110, ROAA ROAE 6

7 Tennessee Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) Citizens Tri-County Bank Dunlap Sequatchie Valley Bancshares, Inc. 10/02/ Yes 717, Civic Bank & Trust Nashville 07/25/ No 154, Civis Bank Rogersville Volunteer Bancorp, Inc. 04/01/ No 107, Clayton Bank and Trust Knoxville Clayton HC, Inc. 1/1/ Yes 822, Coffee County Bank Manchester Coffee County Bancshares, Incorporated 08/25/ Yes 153, Commercial Bank Harrogate Commercial Bancgroup, Inc. 11/01/ No 946, Commercial Bank & Trust Company Paris Commercial Holding Company 5/15/ Yes 718, Community Bank Lexington Community National Corporation 08/04/ No 133, Community Bank & Trust Ashland City Tennessee Community Bank Holdings, Inc. 10/04/ No 214, Community First Bank & Trust Columbia Community First, Inc. 05/18/ No 474, Community National Bank Dayton 11/02/ Yes 211, Cumberland Bank & Trust Clarksville Cumberland Bancorp, Inc. 03/07/ No 177, Decatur County Bank Decaturville Decatur Bancshares, Inc 11/16/ Yes 89, Elizabethton Federal Savings Bank Elizabethton 06/15/ No 313, Evolve Bank & Trust Memphis Evolve Bancorp, Inc. 06/05/ No 376, F&M Bank Clarksville F&M Financial Corporation 01/01/ No 929, Farmers & Merchants Bank Dyer Dyer F & M Bancshares, Inc. 4/9/ Yes 115, Farmers and Merchants Bank Adamsville Chester County Bancshares, Inc. 01/01/ No 35, Farmers Bank Woodland Mills Banc3 Holdings, Inc. 07/01/ No 30, Farmers Bank Parsons Townsend Financial Corporation 03/09/ No 33, Farmers Bank Portland First Farmers Bancshares, Inc. 07/12/ No 574, Farmers State Bank Mountain City Farmers State Bancshares, Inc. 01/03/ No 140, Financial Federal Bank Memphis Financial FedCorp, Inc. 01/01/ Yes 478, First Advantage Bank Clarksville First Advantage Bancorp 01/01/ No 493, First Alliance Bank Cordova First Alliance Bancshares, Inc. 09/27/ No 119, First Bank of Tennessee Spring City 5/31/ Yes 294, First Capital Bank Germantown Germantown Capital Corporation, Inc. 05/19/ No 269, First Century Bank Tazewell Claiborne Holding Company, Inc. 10/10/ No 291, First Citizens National Bank Dyersburg First Citizens Bancshares, Inc. 1/1/ No 1,312, First Commerce Bank Lewisburg First Commerce Bancorp, Inc. 12/02/ No 322, First Community Bank of Bedford County Shelbyville First Community Bancorp, Inc. 04/28/ No 458, First Community Bank of East Tennessee Rogersville First Community Corporation 04/26/ No 176, First Farmers and Commercial Bank Pikeville First Pikeville Bancshares, Inc. 09/30/ No 112, First Farmers and Merchants Bank Columbia First Farmers and Merchants Corporation 01/01/ No 1,304, First Federal Bank Dickson Southeastern Bancorp, Inc. 10/16/ Yes 496, First Freedom Bank Lebanon First Freedom Bancshares, Inc. 04/03/ No 430, First National Bank of Manchester Manchester FCB Corporation 01/02/ No 247, First National Bank of Middle Tennessee McMinnville First McMinnville Corporation 10/30/ No 486, First National Bank of Oneida Oneida 01/01/ Yes 211, First National Bank of Pulaski Pulaski First Pulaski National Corporation 01/12/ No 749, First National Bank of Tennessee Livingston 10/25/ Yes 767, First Peoples Bank of Tennessee Jefferson City First Peoples Bancorp, Inc. 01/02/ No 140, First South Bank Jackson Hardeman County Investment Company, Inc. 04/18/ Yes 460, First Tennessee Bank, National Association Memphis First Horizon National Corporation 1/1/ ,972 No 27,353, First Vision Bank of Tennessee Tullahoma First Vision Financial, Inc. 11/28/ No 187, ROAA ROAE 7

8 Tennessee Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) First Volunteer Bank Chattanooga First Volunteer Corporation 05/03/ No 916, FirstBank Nashville FB Financial Corporation 01/01/ ,091 Yes 2,914, Foothills Bank & Trust Maryville Foothills Bancorp, Inc. 06/04/ No 211, Franklin County UNITED Bank Decherd Sequatchie Valley Bancshares, Inc. 12/06/ No 76, Franklin Synergy Bank Franklin Franklin Financial Network, Inc. 11/05/ No 2,609, Gates Banking and Trust Company Gates Security Bancorp of Tennessee, Inc. 09/01/ No 42, Greeneville Federal Bank, FSB Greeneville 08/02/ No 147, Greenfield Banking Company Greenfield Greenfield Bancshares, Inc. 08/16/ No 53, Hardin County Bank Savannah Hardin County Bancshares, Inc. 03/12/ No 446, Heritage Bank & Trust Columbia 03/06/ No 111, Heritage Community Bank Greeneville 12/03/ Yes 89, Highland Federal Savings & Loan Association Crossville 02/16/ No 63, Home Banking Company Selmer Home Bancshares, Inc. 03/15/ No 91, Home Federal Bank of Tennessee Knoxville 01/01/ No 2,179, Homeland Community Bank McMinnville 11/24/ No 141, Independent Bank Memphis Independent Holdings, Inc. 04/20/ No 1,016, InsBank Nashville InsCorp, Inc. 11/20/ No 337, INSOUTH Bank Brownsville Independent Southern Bancshares, Inc. 2/12/ No 286, Johnson County Bank Mountain City 07/24/ No 119, Landmark Community Bank Collierville 03/16/ No 861, Lauderdale County Bank Halls Lauderdale County Bancshares, Inc. 04/04/ No 52, Lawrenceburg Federal Bank Lawrenceburg 10/01/ No 58, Legends Bank Clarksville Legends Financial Holdings, Inc. 11/12/ No 405, Macon Bank and Trust Company Lafayette Macon Banctrust, Inc. 07/01/ No 382, McKenzie Banking Company McKenzie Progressive Financial Services, Inc. 02/28/ No 128, Merchants & Planters Bank Bolivar Merchants & Planters Bancshares, Inc. 10/01/ No 85, Millennium Bank Ooltewah 06/21/ Yes 155, Mountain Commerce Bank Knoxville Mountain Commerce Bancorp, Inc. 01/01/ No 542, Mountain Valley Bank Dunlap Sequatchie County Bancorp, Inc. 10/02/ No 93, Newport Federal Bank Newport United Tennessee Bankshares, Inc. 08/01/ No 198, Paragon Bank Memphis Paragon Financial Solutions, Inc. 01/19/ No 332, Patriot Bank Millington Patriot of Tennessee Corporation 10/01/ No 305, Peoples Bank Clifton P B Bancshares, Inc. 8/28/ No 163, Peoples Bank Sardis 1st Jackson Bancshares, Inc. 12/20/ No 74, Peoples Bank & Trust Company Manchester Peoples Bancorp, Inc. 01/01/ No 87, People's Bank and Trust Company of Pickett County Byrdstown Upper Cumberland Bancshares, Inc. 11/27/ No 112, Peoples Bank of East Tennessee Madisonville Peoples Bancshares of TN, Inc. 09/22/ No 203, Peoples Bank of Middle Tennessee Shelbyville 12/11/ No 129, Peoples Bank of the South LaFollette 05/22/ Yes 142, Peoples State Bank of Commerce Nolensville Commerce Bancshares, Inc. 06/01/ No 151, Pinnacle Bank Nashville Pinnacle Financial Partners, Inc. 10/27/ ,061 No 9,667, Progressive Savings Bank Jamestown 06/06/ Yes 279, Putnam 1st Mercantile Bank Cookeville First Mercantile Financial Corporation 11/28/ No 120, Reelfoot Bank Union City Reelfoot Bancshares, Inc. 08/02/ No 153, Reliant Bank Brentwood Commerce Union Bancshares, Inc. 08/14/ No 882, ROAA ROAE 8

9 Tennessee Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) Security Bank Dyersburg Security Bancorp of Tennessee, Inc. 04/03/ No 181, Security Bank and Trust Company Paris 01/01/ Yes 202, Security Federal Bank Elizabethton SFB Bancorp, Inc. 01/01/ No 63, Security Federal Savings Bank of McMinnville McMinnville Security Bancorp, Inc. 01/01/ No 191, Sevier County Bank Sevierville Sevier County Bancshares, Inc. 03/09/ No 314, SmartBank Pigeon Forge SmartFinancial, Inc. 01/08/ No 1,031, SouthEast Bank Farragut Educational Services of America, Inc. 04/29/ No 948, Southern Bank of Tennessee Mount Juliet 03/22/ Yes 227, Southern Community Bank Tullahoma Tennessee Bancshares, Inc. 11/28/ No 230, Southern Heritage Bank Cleveland First Citizens Bancshares, Inc. 04/12/ No 274, Sumner Bank & Trust Gallatin 04/04/ No 152, Tennessee State Bank Pigeon Forge Tennessee State Bancshares, Inc. 06/19/ No 627, TNBANK Oak Ridge Tennessee Valley Financial Holdings, Inc. 05/30/ No 197, Tower Community Bank Jasper General Bancshares, Inc. 01/02/ Yes 148, Traditions First Bank Erin 11/30/ No 119, TriStar Bank Dickson TriStar Bancshares, Inc. 01/01/ No 244, Tri-State Bank of Memphis Memphis 12/16/ No 110, TriSummit Bank Kingsport TriSummit Bancorp, Inc. 02/26/ No 353, Triumph Bank Memphis Triumph Bancshares, Inc. 06/05/ No 543, Truxton Trust Company Nashville Truxton Corporation 08/30/ No 417, UBank Jellico 01/01/ Yes 65, Union Bank Jamestown Jamestown Union Bancshares, Inc. 08/15/ No 212, Union Bank & Trust Company Livingston Overton Financial Services, Inc. 10/25/ Yes 82, Volunteer Federal Savings Bank Madisonville 01/01/ No 172, Volunteer State Bank Portland Volunteer State Bancshares, Inc. 04/15/ Yes 603, Wayne County Bank Waynesboro Wayne County Bancshares, Inc. 02/14/ No 305, Wilson Bank and Trust Lebanon Wilson Bank Holding Co. 05/11/ No 2,127, ROAA ROAE 9

10 Tennessee Asset Ranking Rank Company Name City Employees Number of Offices Deposits Deposits / Office Assets / Office Deposits / Employee Assets / Employee 1 First Tennessee Bank, National Association Memphis 3, ,848, , ,818 5,249 6,887 27,353,473 2 Pinnacle Bank Nashville 1, ,329, , ,292 6,908 9,111 9,667,284 3 FirstBank Nashville 1, ,526,007 49,530 57,149 2,315 2,672 2,914,619 4 Atlantic Capital Bank, National Association Chattanooga ,170, , ,729 6,442 8,329 2,806,844 5 Franklin Synergy Bank Franklin ,251, , ,496 9,226 10,697 2,609,953 6 Home Federal Bank of Tennessee Knoxville ,725,631 75,027 94,775 4,402 5,561 2,179,835 7 Wilson Bank and Trust Lebanon ,882,694 75,308 85,117 4,129 4,666 2,127,913 8 First Citizens National Bank Dyersburg ,071,028 53,551 65,620 3,853 4,721 1,312,398 9 CapStar Bank Nashville ,143, , ,110 6,887 7,895 1,310, First Farmers and Merchants Bank Columbia ,146,622 60,349 68,659 4,719 5,368 1,304, SmartBank Pigeon Forge ,900 74,325 85,954 3,982 4,605 1,031, Independent Bank Memphis ,396 84, ,686 4,069 4,889 1,016, Bank of Tennessee Kingsport ,931 36,497 45,977 3,277 4,129 1,011, SouthEast Bank Farragut ,756 77,887 86,222 5,040 5, , Commercial Bank Harrogate ,938 35,997 43,039 3,736 4, , Citizens National Bank Sevierville ,496 38,658 48,948 3,481 4, , F&M Bank Clarksville ,576 41,269 54,699 2,852 3, , First Volunteer Bank Chattanooga ,582 33,774 38,197 3,106 3, , Reliant Bank Brentwood ,902 92, ,081 4,348 5, , Landmark Community Bank Collierville ,631 85, ,708 8,956 11, , Citizens Bank of Lafayette Lafayette ,194 35,905 44,875 3,609 4, , Clayton Bank and Trust Knoxville ,650 39,291 51,415 3,191 4, , First National Bank of Tennessee Livingston ,115 98, ,622 5,120 5, , Citizens Bank Elizabethton ,979 43,665 62,508 3,447 4, , First National Bank of Pulaski Pulaski ,271 54,939 62,447 3,878 4, , Bank of Putnam County Cookeville ,668 47,191 51,888 4,404 4, , Commercial Bank & Trust Company Paris ,465 57,497 65,343 3,594 4, , Citizens Tri-County Bank Dunlap ,575 27,634 31,178 2,670 3, , Tennessee State Bank Pigeon Forge ,844 33,303 39,220 2,562 3, , Volunteer State Bank Portland ,905 42,391 60,385 1,752 2, , Farmers Bank Portland ,440 48,044 57,419 3,140 3, , Citizens Bank Carthage ,586 57,698 69,757 6,074 7, , Citizens National Bank Athens ,879 52,653 61,863 3,268 3, , Triumph Bank Memphis ,387 90, ,708 4,479 5, , Mountain Commerce Bank Knoxville ,546 96, ,530 6,782 7, , First Federal Bank Dickson ,464 35,039 41,359 3,185 3, , First Advantage Bank Clarksville ,935 54,848 70,558 3,490 4, , First National Bank of Middle Tennessee McMinnville ,958 63,660 81,061 3,157 4, , Financial Federal Bank Memphis , , ,875 6,200 8, , Community First Bank & Trust Columbia ,835 52,729 59,283 3,906 4, , First South Bank Jackson ,360 37,936 46,099 2,896 3, , First Community Bank of Bedford County Shelbyville ,259 55,652 91, , , Hardin County Bank Savannah ,689 78,338 89,233 4,304 4, , Bank of Fayette County Piperton ,539 38,354 44,312 3,724 4, , First Freedom Bank Lebanon ,040 61,840 71,686 5,226 6, , Truxton Trust Company Nashville , , ,259 6,006 7, , Athens Federal Community Bank, National Association Athens ,290 32,390 37,508 3,181 3, , Legends Bank Clarksville ,529 44,191 50,630 4,111 4, , Apex Bank Camden ,880 36,735 48,307 2,772 3, , Macon Bank and Trust Company Lafayette ,177 46,025 54,590 3,620 4, ,130 10

11 Tennessee 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 Apex Bank Camden 386, Clayton Bank and Trust Knoxville 822, Centennial Bank Trezevant 363, Citizens Community Bank Winchester 203, Peoples Bank of the South LaFollette 142, Peoples Bank of Middle Tennessee Shelbyville 129, Union Bank & Trust Company Livingston 82, Citizens Savings Bank and Trust Company Nashville 110, Coffee County Bank Manchester 153, Tower Community Bank Jasper 148, McKenzie Banking Company McKenzie 128, Bank of Perry County Lobelville 152, Bank of Lincoln County Fayetteville 130, Greeneville Federal Bank, FSB Greeneville 147, Peoples Bank Clifton 163, People's Bank and Trust Company of Pickett County Byrdstown 112, Independent Bank Memphis 1,016, Decatur County Bank Decaturville 89, American City Bank Tullahoma 273, UBank Jellico 65, Citizens First Bank Wartburg 159, Wayne County Bank Waynesboro 305, Citizens Bank Hartsville 205, Bank of Cleveland Cleveland 238, Peoples Bank Sardis 74, First Volunteer Bank Chattanooga 916, Andrew Johnson Bank Greeneville 334, First Bank of Tennessee Spring City 294, Bank of Fayette County Piperton 443, First Alliance Bank Cordova 119, CedarStone Bank Lebanon 166, Carroll Bank and Trust Huntingdon 268, Citizens Bank New Tazewell 162, Volunteer State Bank Portland 603, Citizens Tri-County Bank Dunlap 717, Bank of Waynesboro Waynesboro 150, Athens Federal Community Bank, National Association Athens 412, Farmers State Bank Mountain City 140, BankTennessee Collierville 283, Peoples Bank of East Tennessee Madisonville 203, Community Bank Lexington 133, Franklin County UNITED Bank Decherd 76, Civis Bank Rogersville 107, Farmers and Merchants Bank Adamsville 35, Farmers Bank Portland 574, Merchants & Planters Bank Bolivar 85, Millennium Bank Ooltewah 155, INSOUTH Bank Brownsville 286, First Vision Bank of Tennessee Tullahoma 187, First Advantage Bank Clarksville 493, Net Interest Margin

12 Tennessee Noninterest Income Ranking Rank Company Name City Net Income 12 Service Charges on Deposits / Avg Assets Gain on Sale of Loans/ Avg Asset Net Servicing Fees/ Avg Assets Net Gains on OREO/ Avg Assets Noninterest Income 1 Evolve Bank & Trust Memphis 376,838 2, , First Community Bank of Bedford County Shelbyville 458,416 4, , McKenzie Banking Company McKenzie 128,476 3, , Volunteer State Bank Portland 603,850 12, , FirstBank Nashville 2,914,619 56, , Tri-State Bank of Memphis Memphis 110,806 1, , F&M Bank Clarksville 929,877 4, , Truxton Trust Company Nashville 417,259 5, , First Tennessee Bank, National Association Memphis 27,353, , , Farmers Bank Woodland Mills 30, Progressive Savings Bank Jamestown 279,521 1, , First South Bank Jackson 460,991 6, , Apex Bank Camden 386,455 14, , Reliant Bank Brentwood 882,567 8, , Security Bank Dyersburg 181,896 1, , Bank of Bartlett Bartlett 350, , Athens Federal Community Bank, National Association Athens 412,584 3, , Patriot Bank Millington 305,305 2, , First Volunteer Bank Chattanooga 916,738 11, , Paragon Bank Memphis 332,037 1, , Bank of Putnam County Cookeville 726,437 5, , American Patriot Bank Greeneville 59, First National Bank of Middle Tennessee McMinnville 486,368 5, , Brighton Bank Brighton 55, Commercial Bank & Trust Company Paris 718,773 11, , Independent Bank Memphis 1,016,863 9, , Bank of Tennessee Kingsport 1,011,490 12, , Peoples State Bank of Commerce Nolensville 151,901 3, , Pinnacle Bank Nashville 9,667, , , INSOUTH Bank Brownsville 286,847 1, , Southern Heritage Bank Cleveland 274,916 2, , Wilson Bank and Trust Lebanon 2,127,913 24, , Coffee County Bank Manchester 153,449 3, , Bank of Cleveland Cleveland 238,476 3, , Merchants & Planters Bank Bolivar 85, InsBank Nashville 337,259 2, , First Citizens National Bank Dyersburg 1,312,398 14, , Citizens First Bank Wartburg 159, , Tower Community Bank Jasper 148, , Reelfoot Bank Union City 153, , Triumph Bank Memphis 543,542 4, , Community National Bank Dayton 211,526 2, , Citizens Bank Elizabethton 750,096 8, , SouthEast Bank Farragut 948,441 8, , Central Bank Savannah 97, Civis Bank Rogersville 107,592-1, Farmers Bank Portland 574,194 7, , First National Bank of Manchester Manchester 247,611 3, , Security Federal Savings Bank of McMinnville McMinnville 191,946 1, , TriStar Bank Dickson 244,834 1, , First Farmers and Merchants Bank Columbia 1,304,520 10, , Noninterest Income/ Avg Assets

13 Tennessee Overhead Ranking Rank Company Name City Efficiency Ratio (FTE) Employees Number of Offices Personnel Expense/ Avg. Assets Occupancy Expense/ Avg. Assets Other Expense/ Avg. Assets 1 Elizabethton Federal Savings Bank Elizabethton 313, Citizens Bank Carthage 558, Landmark Community Bank Collierville 861, Bank of Crockett Bells 147, Gates Banking and Trust Company Gates 42, American City Bank Tullahoma 273, Franklin Synergy Bank Franklin 2,609, First Capital Bank Germantown 269, Home Federal Bank of Tennessee Knoxville 2,179, Bank of Halls Halls 73, Newport Federal Bank Newport 198, Bank of Gleason Gleason 118, Bank of Jackson Jackson 165, First Federal Bank Dickson 496, Foothills Bank & Trust Maryville 211, Clayton Bank and Trust Knoxville 822, Pinnacle Bank Nashville 9,667, , Financial Federal Bank Memphis 478, Security Bank and Trust Company Paris 202, Citizens Bank of Lafayette Lafayette 852, First Commerce Bank Lewisburg 322, Mountain Commerce Bank Knoxville 542, Citizens Bank and Trust Company of Grainger County Rutledge 202, Commercial Bank Harrogate 946, First National Bank of Manchester Manchester 247, Putnam 1st Mercantile Bank Cookeville 120, First National Bank of Tennessee Livingston 767, Citizens Community Bank Winchester 203, Bank of Dickson Dickson 225, Citizens Bank & Trust Company Atwood 25, CBBC Bank Maryville 335, First National Bank of Pulaski Pulaski 749, Macon Bank and Trust Company Lafayette 382, Citizens National Bank Sevierville 930, Atlantic Capital Bank, National Association Chattanooga 2,806, Johnson County Bank Mountain City 119, First Freedom Bank Lebanon 430, First Farmers and Merchants Bank Columbia 1,304, CapStar Bank Nashville 1,310, InsBank Nashville 337, Coffee County Bank Manchester 153, First Citizens National Bank Dyersburg 1,312, Citizens National Bank Athens 556, Hardin County Bank Savannah 446, Wilson Bank and Trust Lebanon 2,127, Wayne County Bank Waynesboro 305, Security Federal Savings Bank of McMinnville McMinnville 191, Homeland Community Bank McMinnville 141, Citizens Bank Hartsville 205, First National Bank of Oneida Oneida 211, Overhead/ Avg. Assets 13

14 Tennessee Asset Quality Ranking Rank Company Name City Gross Loans 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 Southern Bank of Tennessee Mount Juliet 227, , Foothills Bank & Trust Maryville 211, , Security Bank and Trust Company Paris 202, , Peoples Bank & Trust Company Manchester 87,433 50, CBBC Bank Maryville 335, , Franklin Synergy Bank Franklin 2,609,953 1,568, CedarStone Bank Lebanon 166, , InsBank Nashville 337, , Financial Federal Bank Memphis 478, , First Community Bank of Bedford County Shelbyville 458, , Bank of Putnam County Cookeville 726, , Truxton Trust Company Nashville 417, , Volunteer State Bank Portland 603, , Bank of Milan Milan 63,848 35, First Vision Bank of Tennessee Tullahoma 187, , Atlantic Capital Bank, National Association Chattanooga 2,806,844 1,976, Home Banking Company Selmer 91,496 36, Traditions First Bank Erin 119,523 77, CapStar Bank Nashville 1,310, , First Farmers and Merchants Bank Columbia 1,304, , Chester County Bank Henderson 70,949 26, First National Bank of Middle Tennessee McMinnville 486, , Landmark Community Bank Collierville 861, , First Commerce Bank Lewisburg 322, , Commercial Bank & Trust Company Paris 718, , Wilson Bank and Trust Lebanon 2,127,913 1,598, SouthEast Bank Farragut 948, , TriSummit Bank Kingsport 353, , Paragon Bank Memphis 332, , First National Bank of Tennessee Livingston 767, , Peoples Bank Sardis 74,872 53, American Bank & Trust of the Cumberlands Livingston 216, , First South Bank Jackson 460, , Legends Bank Clarksville 405, , Pinnacle Bank Nashville 9,667,284 7,153, Southern Heritage Bank Cleveland 274, , Southern Community Bank Tullahoma 230, , Farmers Bank Portland 574, , Reliant Bank Brentwood 882, , First Freedom Bank Lebanon 430, , Andrew Johnson Bank Greeneville 334, , TriStar Bank Dickson 244, , Bank of Tennessee Kingsport 1,011, , Carroll Bank and Trust Huntingdon 268, , BankTennessee Collierville 283, , Home Federal Bank of Tennessee Knoxville 2,179, , SmartBank Pigeon Forge 1,031, , First Citizens National Bank Dyersburg 1,312, , Triumph Bank Memphis 543, , American Trust Bank of East Tennessee Knoxville 139,929 99, Asset Quality Composite 14

15 Tennessee Return on Average Equity Ranking Rank Company Name City LTM Net Income Employees LTM Net Income / Employee 2015Q2 LTM Net Income 2014Q2 LTM Net Income 1 Community First Bank & Trust Columbia 474,261 15, ,839 3, Peoples State Bank of Commerce Nolensville 151,901 3, ,068-1, McKenzie Banking Company McKenzie 128,476 3, ,850 1, Apex Bank Camden 386,455 14, ,868 9, Volunteer State Bank Portland 603,850 12, ,843 6, Coffee County Bank Manchester 153,449 3, ,347 2, Citizens Community Bank Winchester 203,700 3, ,191 3, FirstBank Nashville 2,914,619 56,902 1, ,441 32, First Commerce Bank Lewisburg 322,723 4, ,410 3, Citizens Bank Carthage 558,052 12, ,807 11, Truxton Trust Company Nashville 417,259 5, ,484 4, Clayton Bank and Trust Knoxville 822,646 28, ,539 22, First Volunteer Bank Chattanooga 916,738 11, ,781 8, Franklin Synergy Bank Franklin 2,609,953 24, ,130 6, Citizens Bank Hartsville 205,040 2, ,068 1, Security Bank and Trust Company Paris 202,364 3, ,326 3, Bank of Halls Halls 73, Bank of Perry County Lobelville 152,699 2, ,713 2, Farmers Bank Portland 574,194 7, ,381 3, Tri-State Bank of Memphis Memphis 110,806 1, , Community Bank Lexington 133,374 1, , Citizens Bank New Tazewell 162,606 1, , Bank of Fayette County Piperton 443,120 3, ,782 2, Wilson Bank and Trust Lebanon 2,127,913 24, ,555 18, Landmark Community Bank Collierville 861,661 7, ,488 5, SouthEast Bank Farragut 948,441 8, ,052 5, Patriot Bank Millington 305,305 2, ,706 2, American Bank & Trust of the Cumberlands Livingston 216,032 2, ,673 2, First National Bank of Manchester Manchester 247,611 3, ,743 2, Andrew Johnson Bank Greeneville 334,305 3, ,509 3, Union Bank & Trust Company Livingston 82,442 1, ,852 1, Centennial Bank Trezevant 363,125 3, ,436 3, Citizens Bank of Lafayette Lafayette 852,624 9, ,829 6, First Citizens National Bank Dyersburg 1,312,398 14, ,127 14, Bank of Putnam County Cookeville 726,437 5, ,881 3, Bank of Crockett Bells 147,419 1, ,630 1, Greeneville Federal Bank, FSB Greeneville 147,266 1, Pinnacle Bank Nashville 9,667, ,215 1, ,943 66, Putnam 1st Mercantile Bank Cookeville 120,093 1, ,170 1, Commercial Bank & Trust Company Paris 718,773 11, ,193 9, First National Bank of Pulaski Pulaski 749,364 7, ,063 6, Triumph Bank Memphis 543,542 4, ,855 3, Peoples Bank of Middle Tennessee Shelbyville 129,231 1, Cumberland Bank & Trust Clarksville 177,948 1, ,759 1, Gates Banking and Trust Company Gates 42, Citizens Tri-County Bank Dunlap 717,093 10, ,013 8, Mountain Commerce Bank Knoxville 542,652 4, ,241 6, Bank of Waynesboro Waynesboro 150,877 1, ,576 1, Bank of Tennessee Kingsport 1,011,490 12, ,572 8, American Trust Bank of East Tennessee Knoxville 139,929 1, , ROAA ROAE 15

16 Tennessee Overall Ranking Rank Company Name City Net Interest Margin Rank Noninterest Income Rank Overhead Rank Asset Quality Rank 1 Coffee County Bank Manchester 153, Apex Bank Camden 386, Security Bank and Trust Company Paris 202, Volunteer State Bank Portland 603, Pinnacle Bank Nashville 9,667, Wilson Bank and Trust Lebanon 2,127, Clayton Bank and Trust Knoxville 822, SouthEast Bank Farragut 948, Franklin Synergy Bank Franklin 2,609, Farmers Bank Portland 574, First Commerce Bank Lewisburg 322, First National Bank of Manchester Manchester 247, Andrew Johnson Bank Greeneville 334, InsBank Nashville 337, Commercial Bank & Trust Company Paris 718, Truxton Trust Company Nashville 417, Community Bank Lexington 133, Citizens Bank Hartsville 205, Financial Federal Bank Memphis 478, Peoples Bank of Middle Tennessee Shelbyville 129, First Volunteer Bank Chattanooga 916, American Bank & Trust of the Cumberlands Livingston 216, First Citizens National Bank Dyersburg 1,312, Bank of Putnam County Cookeville 726, FirstBank Nashville 2,914, Citizens Community Bank Winchester 203, BankTennessee Collierville 283, Citizens Tri-County Bank Dunlap 717, Independent Bank Memphis 1,016, Triumph Bank Memphis 543, First Freedom Bank Lebanon 430, First Vision Bank of Tennessee Tullahoma 187, CedarStone Bank Lebanon 166, American City Bank Tullahoma 273, Citizens Bank Carthage 558, Reliant Bank Brentwood 882, First Farmers and Merchants Bank Columbia 1,304, Centennial Bank Trezevant 363, Bank of Perry County Lobelville 152, Cumberland Bank & Trust Clarksville 177, Bank of Cleveland Cleveland 238, McKenzie Banking Company McKenzie 128, First National Bank of Middle Tennessee McMinnville 486, Bank of Waynesboro Waynesboro 150, Bank of Tennessee Kingsport 1,011, Union Bank & Trust Company Livingston 82, Athens Federal Community Bank, National Association Athens 412, Citizens Bank of Lafayette Lafayette 852, CapStar Bank Nashville 1,310, Peoples Bank Sardis 74, ROAE Rank Overall Rank 16

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