Rank The Banks. Tennessee 2018 Q2

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1 Rank The Banks Tennessee 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 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 Bank3 Studio Bank Tennessee Bank and Trust 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 Tennessee Bank Listing Company Name City Parent Company Date Established Number of Offices Employees American Bank & Trust of the Cumberlands Livingston American Bancshares Corp. 8/13/ Yes 232, Andrew Johnson Bank Greeneville Andrew Johnson Bancshares, Inc. 5/12/ No 374, Apex Bank Camden Apex Bancorp, Inc. 2/27/ No 542, Athens Federal Community Bank, National Association Athens Athens Bancshares Corporation 8/1/ No 473, Atlantic Capital Bank, National Association Chattanooga Atlantic Capital Bancshares, Inc. 1/1/ No 2,690, Bank of Bartlett Bartlett West Tennessee Bancshares, Inc. 5/19/ No 360, Bank of Cleveland Cleveland Bradley County Financial Corp. 5/8/ No 263, Bank of Crockett Bells Security Bancorp of Tennessee, Inc. 1/1/ No 160, Bank of Dickson Dickson Dickson Financial Corporation 5/26/ No 223, Bank of Fayette County Piperton Moscow Bancshares, Inc. 5/10/ No 585, Bank of Frankewing Frankewing Frankewing Bancshares, Inc. 2/1/ No 258, Bank of Gleason Gleason Bancshares of Gleason, Inc. 1/1/ No 111, Bank of Halls Halls Security Bancorp of Tennessee, Inc. 10/8/ No 81, Bank of Jackson Jackson WestTenn Bancorp Inc. 10/1/ No 187, Bank of Lincoln County Fayetteville BOLC Corp. 7/22/ No 137, Bank of Milan Milan Hometown Bancorp, Inc. 11/12/ Yes 65, Bank of Perry County Lobelville 9/1/ Yes 159, Bank of Putnam County Cookeville B.P.C. Corporation 11/1/ Yes 798, Bank of Ripley Ripley Bancshares of Ripley, Inc. 7/14/ No 222, Bank of Tennessee Kingsport BancTenn Corp. 5/13/ Yes 1,286, Bank of Waynesboro Waynesboro FCB Corporation 1/1/ No 166, BankTennessee Collierville BankTennessee Bancshares, Inc. 10/1/ Yes 283, Brighton Bank Brighton Brighton Bancorp, Inc. 10/10/ No 67, CapStar Bank Nashville CapStar Financial Holdings, Inc. 7/14/ No 1,400, Carroll Bank and Trust Huntingdon Carroll Financial Services, Inc. 9/9/ No 280, CBBC Bank Maryville Twin Cities Financial Services, Inc. 9/24/ No 352, CedarStone Bank Lebanon CedarStone Financial, Inc. 4/19/ No 199, Centennial Bank Trezevant F & M Bancshares, Inc. 1/21/ No 452, Central Bank Savannah 7/1/ No 94, Chester County Bank Henderson Chester County Bancshares, Inc. 4/22/ No 70, Citizens Bank Elizabethton Citco Community Bancshares, Inc. 11/3/ Yes 833, Citizens Bank Carthage 10/26/ No 586, Citizens Bank Hartsville Cumberland Bancshares, Inc. 10/1/ No 214, Citizens Bank & Trust Company Atwood Bumpushares, Inc. 2/5/ Yes 25, Citizens Bank and Trust Company of Grainger County Rutledge Citizens of Grainger County Corporation 11/1/ No 207, Citizens Bank of Lafayette Lafayette Citizens Bancorp Investment, Inc. 7/1/ No 926, Citizens Community Bank Winchester Citizens Community Bancshares, Inc. 11/19/ No 214, Citizens First Bank Wartburg CFB Bancshares, Inc. 2/10/ No 165, Citizens National Bank Sevierville CNB Bancshares, Inc. 2/5/ Yes 1,050, Citizens Savings Bank and Trust Company Nashville CSB&T Bancorp, Inc. 1/4/ No 106,228 (3.02) (43.33) Citizens Tri-County Bank Dunlap Sequatchie Valley Bancshares, Inc. 10/2/ Yes 842, Civis Bank Rogersville Volunteer Bancorp, Inc. 4/1/ No 96,909 (1.34) (38.29) Coffee County Bank Manchester Coffee County Bancshares, Incorporated 8/25/ Yes 189, Commercial Bank Harrogate Commercial Bancgroup, Inc. 11/1/ No 1,216, Commercial Bank & Trust Company Paris Commercial Holding Company 5/15/ Yes 733, S Corp (Yes/No) ROAA ROAE 6

7 Tennessee Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees Community Bank Lexington Community National Corporation 8/4/ No 149, Community Bank & Trust Ashland City Tennessee Community Bank Holdings, Inc. 10/4/ No 230, Community National Bank Dayton 11/2/ Yes 216, Decatur County Bank Decaturville Decatur Bancshares, Inc 11/16/ Yes 110, Elizabethton Federal Savings Bank Elizabethton 6/15/ No 306, Evolve Bank & Trust Memphis Evolve Bancorp, Inc. 6/5/ No 473, F&M Bank Clarksville F&M Financial Corporation 1/1/ No 1,074, Farmers & Merchants Bank Dyer Dyer F & M Bancshares, Inc. 4/9/ Yes 98, Farmers and Merchants Bank Adamsville Chester County Bancshares, Inc. 1/1/ No 40, Farmers Bank Parsons Townsend Financial Corporation 3/9/ No 35, Farmers Bank Portland First Farmers Bancshares, Inc. 7/12/ No 645, Farmers State Bank Mountain City Farmers State Bancshares, Inc. 1/3/ No 143, Financial Federal Bank Memphis Financial FedCorp, Inc. 1/1/ Yes 558, First Advantage Bank Clarksville First Advantage Bancorp 1/1/ No 602, First Alliance Bank Cordova First Alliance Bancshares, Inc. 9/27/ No 134, First Bank of Tennessee Spring City 5/31/ Yes 329, First Capital Bank Germantown Germantown Capital Corporation, Inc. 5/19/ No 303, First Century Bank Tazewell Claiborne Holding Company, Inc. 10/10/ No 364, First Citizens National Bank Dyersburg First Citizens Bancshares, Inc. 1/1/ No 1,656, First Commerce Bank Lewisburg First Commerce Bancorp, Inc. 12/2/ No 380, First Community Bank of East Tennessee Rogersville First Community Corporation 4/26/ No 182, First Community Bank of Tennessee Shelbyville First Community Bancorp, Inc. 4/28/ No 506, First Farmers and Commercial Bank Pikeville First Pikeville Bancshares, Inc. 9/30/ No 116, First Farmers and Merchants Bank Columbia First Farmers and Merchants Corporation 1/1/ No 1,366, First Federal Bank Dickson Southeastern Bancorp, Inc. 10/16/ Yes 675, First Freedom Bank Lebanon First Freedom Bancshares, Inc. 4/3/ No 465, First National Bank of Manchester Manchester FCB Corporation 1/2/ No 273, First National Bank of Middle Tennessee McMinnville First McMinnville Corporation 10/30/ No 500, First National Bank of Oneida Oneida 1/1/ Yes 214, First National Bank of Pulaski Pulaski First Pulaski National Corporation 1/12/ No 824, First National Bank of Tennessee Livingston 10/25/ Yes 836, First Peoples Bank of Tennessee Jefferson City First Peoples Bancorp, Inc. 1/2/ No 147, First Tennessee Bank, National Association Memphis First Horizon National Corporation 1/1/ ,525 No 40,867, First Vision Bank of Tennessee Tullahoma First Vision Financial, Inc. 11/28/ No 213, First Volunteer Bank Chattanooga First Volunteer Corporation 5/3/ No 979, FirstBank Nashville FB Financial Corporation 1/1/ ,405 No 4,935, Foothills Bank & Trust Maryville Foothills Bancorp, Inc. 6/4/ No 220, Franklin Synergy Bank Franklin Franklin Financial Network, Inc. 11/5/ No 4,162, Gates Banking and Trust Company Gates Security Bancorp of Tennessee, Inc. 9/1/ No 45, Greeneville Federal Bank, FSB Greeneville 8/2/ No 160, Greenfield Banking Company Greenfield Greenfield Bancshares, Inc. 8/16/ No 58, Hardin County Bank Savannah Hardin County Bancshares, Inc. 3/12/ No 504, Heritage Bank & Trust Columbia 3/6/ No 151, Heritage Community Bank Greeneville 12/3/ Yes 100, Highland Federal Savings & Loan Association Crossville 2/16/ No 62, S Corp (Yes/No) ROAA ROAE 7

8 Tennessee Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees Home Banking Company Selmer Home Bancshares, Inc. 3/15/ No 89, Home Federal Bank of Tennessee Knoxville 1/1/ No 2,166, Homeland Community Bank McMinnville 11/24/ No 148, Independent Bank Memphis Independent Holdings, Inc. 4/20/ No 1,019, InsBank Nashville InsCorp, Inc. 11/20/ No 475, INSOUTH Bank Brownsville Independent Southern Bancshares, Inc. 2/12/ No 322, Johnson County Bank Mountain City 7/24/ No 119, Landmark Community Bank Collierville 3/16/ No 956, Lauderdale County Bank Halls Lauderdale County Bancshares, Inc. 4/4/ No 49, Lawrenceburg Federal Bank Lawrenceburg 10/1/ No 65, Legends Bank Clarksville Legends Financial Holdings, Inc. 11/12/ No 472, Macon Bank and Trust Company Lafayette Macon Banctrust, Inc. 7/1/ No 383, McKenzie Banking Company McKenzie Progressive Financial Services, Inc. 2/28/ No 130, Millennium Bank Ooltewah Millennium Bancshares, Inc. 6/21/ Yes 173, Mountain Commerce Bank Knoxville Mountain Commerce Bancorp, Inc. 1/1/ No 807, Mountain Valley Bank Dunlap Sequatchie County Bancorp, Inc. 10/2/ No 101, Newport Federal Bank Newport United Tennessee Bankshares, Inc. 8/1/ No 205, Paragon Bank Memphis Paragon Financial Solutions, Inc. 1/19/ No 395, Patriot Bank Millington Patriot of Tennessee Corporation 10/1/ No 327, Peoples Bank Clifton P B Bancshares, Inc. 8/28/ No 201, Peoples Bank Sardis 1st Jackson Bancshares, Inc. 12/20/ No 79, Peoples Bank & Trust Company Manchester Peoples Bancorp, Inc. 1/1/ No 99, People's Bank and Trust Company of Pickett County Byrdstown Upper Cumberland Bancshares, Inc. 11/27/ No 117, Peoples Bank of East Tennessee Madisonville Peoples Bancshares of TN, Inc. 9/22/ No 209, Peoples Bank of Middle Tennessee Shelbyville 12/11/ No 148, Peoples Bank of the South La Follette 5/22/ Yes 148, Pinnacle Bank Nashville Pinnacle Financial Partners, Inc. 10/27/ ,199 No 23,860, Progressive Savings Bank Jamestown Progressive Financial Group, Inc. 6/6/ Yes 290, Putnam 1st Mercantile Bank Cookeville First Mercantile Financial Corporation 11/28/ Yes 123, Reliant Bank Brentwood Reliant Bancorp, Inc. 8/14/ No 1,654, Security Bank Dyersburg Security Bancorp of Tennessee, Inc. 4/3/ No 194, Security Bank and Trust Company Paris 1/1/ Yes 384, Security Federal Bank Elizabethton SFB Bancorp, Inc. 1/1/ No 67, Security Federal Savings Bank of McMinnville McMinnville Security Bancorp, Inc. 1/1/ No 206, Sevier County Bank Sevierville Sevier County Bancshares, Inc. 3/9/ No 317,626 (0.27) (5.01) SmartBank Pigeon Forge SmartFinancial, Inc. 1/8/ No 2,062, SouthEast Bank Farragut Educational Services of America, Inc. 4/29/ No 1,381, Southern Bank of Tennessee Mount Juliet 3/22/ Yes 267, Sumner Bank & Trust Gallatin 4/4/ No 170, Tennessee State Bank Pigeon Forge Tennessee State Bancshares, Inc. 6/19/ No 638, TNBANK Oak Ridge Tennessee Valley Financial Holdings, Inc. 5/30/ No 217, Tower Community Bank Jasper General Bancshares, Inc. 1/2/ No 189, Traditions First Bank Erin 11/30/ No 146, TriStar Bank Dickson TriStar Bancshares, Inc. 1/1/ No 289, Tri-State Bank of Memphis Memphis 12/16/ No 91, S Corp (Yes/No) ROAA ROAE 8

9 Tennessee Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees Triumph Bank Memphis Triumph Bancshares, Inc. 6/5/ No 775, Truxton Trust Company Nashville Truxton Corporation 8/30/ No 444, UBank Jellico 1/1/ Yes 66, Union Bank Jamestown Jamestown Union Bancshares, Inc. 8/15/ No 204, Union Bank & Trust Company Livingston Overton Financial Services, Inc. 10/25/ Yes 83, Volunteer Federal Savings Bank Madisonville 1/1/ No 202, Volunteer State Bank Portland Volunteer State Bancshares, Inc. 4/15/ Yes 665, Wayne County Bank Waynesboro Wayne County Bancshares, Inc. 2/14/ No 318, Wilson Bank and Trust Lebanon Wilson Bank Holding Co. 5/11/ No 2,402, S Corp (Yes/No) ROAA ROAE 9

10 Tennessee Asset Ranking Rank Company Name City Employees Number of Offices 10 Deposits Deposits / Office / Office Deposits / Employee / Employee 1 First Tennessee Bank, National Association Memphis 5, ,223, , ,138 5,651 7,397 40,867,187 2 Pinnacle Bank Nashville 2, ,938, , ,692 8,157 10,850 23,860,234 3 FirstBank Nashville 1, ,932,215 62,416 78,349 2,799 3,513 4,935,964 4 Franklin Synergy Bank Franklin ,400, , ,320 10,561 12,927 4,162,473 5 Atlantic Capital Bank, National Association Chattanooga ,082, , ,360 6,292 8,128 2,690,397 6 Wilson Bank and Trust Lebanon ,115,414 78,349 88,997 4,454 5,059 2,402,925 7 Home Federal Bank of Tennessee Knoxville ,674,465 72,803 94,197 4,124 5,336 2,166,520 8 SmartBank Pigeon Forge ,722,573 66,253 79,316 4,719 5,650 2,062,206 9 First Citizens National Bank Dyersburg ,380,747 57,531 69,030 3,945 4,734 1,656, Reliant Bank Brentwood ,336,652 89, ,269 5,456 6,751 1,654, CapStar Bank Nashville ,160, , ,192 6,344 7,656 1,400, SouthEast Bank Farragut ,245,825 95, ,275 5,488 6,086 1,381, First Farmers and Merchants Bank Columbia ,192,300 54,195 62,096 4,400 5,041 1,366, Bank of Tennessee Kingsport ,028,816 44,731 55,954 3,688 4,613 1,286, Commercial Bank Harrogate ,005,533 37,242 45,045 4,006 4,845 1,216, F&M Bank Clarksville ,881 50,228 63,234 3,174 3,996 1,074, Citizens National Bank Sevierville ,740 46,144 55,301 4,215 5,052 1,050, Independent Bank Memphis ,963 94, ,262 3,886 4,633 1,019, First Volunteer Bank Chattanooga ,729 35,864 40,799 3,153 3, , Landmark Community Bank Collierville ,544 99, ,583 10,332 12, , Citizens Bank of Lafayette Lafayette ,449 38,076 48,749 3,334 4, , Citizens Tri-County Bank Dunlap ,359 28,822 32,388 2,775 3, , First National Bank of Tennessee Livingston , , ,511 5,302 6, , Citizens Bank Elizabethton ,102 51,700 64,132 3,613 4, , First National Bank of Pulaski Pulaski ,710 66,610 74,975 4,116 4, , Mountain Commerce Bank Knoxville , , ,442 8,563 9, , Bank of Putnam County Cookeville ,137 52,153 57,071 3,925 4, , Triumph Bank Memphis , , ,163 4,484 5, , Commercial Bank & Trust Company Paris ,830 58,985 66,709 3,488 3, , First Federal Bank Dickson ,799 34,223 39,754 3,325 3, , Volunteer State Bank Portland ,709 52,871 66,534 2,250 2, , Farmers Bank Portland ,398 53,840 64,586 3,474 4, , Tennessee State Bank Pigeon Forge ,409 35,276 39,933 2,753 3, , First Advantage Bank Clarksville ,508 59,939 75,280 4,029 5, , Citizens Bank Carthage ,579 60,572 73,318 6,213 7, , Bank of Fayette County Piperton ,478 43,953 53,203 3,963 4, , Financial Federal Bank Memphis , , ,818 6,792 9, , Apex Bank Camden ,335 35,410 41,709 2,989 3, , First Community Bank of Tennessee Shelbyville ,307 64, , , , Hardin County Bank Savannah ,583 86, ,988 4,818 5, , First National Bank of Middle Tennessee McMinnville ,892 49,237 62,603 2,984 3, , InsBank Nashville , , ,776 7,374 9, , Athens Federal Community Bank, National Association Athens ,992 41,499 47,380 3,640 4, , Evolve Bank & Trust Memphis ,538 92, ,256 1,001 1, , Legends Bank Clarksville ,183 50,773 59,100 4,276 4, , First Freedom Bank Lebanon ,843 67,807 77,624 5,573 6, , Centennial Bank Trezevant ,477 38,348 45,242 3,043 3, , Truxton Trust Company Nashville , , ,240 6,134 7, , Paragon Bank Memphis ,334 64,467 79,075 4,080 5, , Security Bank and Trust Company Paris ,688 36,965 42,752 4,211 4, ,772

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 542, McKenzie Banking Company McKenzie 130, (1.61) Union Bank & Trust Company Livingston 83, (0.24) Centennial Bank Trezevant 452, Citizens Community Bank Winchester 214, (4.38) First Volunteer Bank Chattanooga 979, Bank of Lincoln County Fayetteville 137, (1.83) Peoples Bank of the South La Follette 148, (0.02) FirstBank Nashville 4,935, People's Bank and Trust Company of Pickett County Byrdstown 117, Bank of Perry County Lobelville 159, Independent Bank Memphis 1,019, (2.99) Peoples Bank Clifton 201, Coffee County Bank Manchester 189, INSOUTH Bank Brownsville 322, Decatur County Bank Decaturville 110, UBank Jellico 66, (1.90) Peoples Bank of East Tennessee Madisonville 209, Bank of Waynesboro Waynesboro 166, Millennium Bank Ooltewah 173, (2.59) Brighton Bank Brighton 67, Citizens Bank Hartsville 214, Central Bank Savannah 94, Wayne County Bank Waynesboro 318, Bank of Cleveland Cleveland 263, Community National Bank Dayton 216, (0.24) Citizens Tri-County Bank Dunlap 842, Citizens First Bank Wartburg 165, (2.63) 0.57 (0.16) BankTennessee Collierville 283, (0.65) Carroll Bank and Trust Huntingdon 280, Mountain Valley Bank Dunlap 101, Tower Community Bank Jasper 189, Andrew Johnson Bank Greeneville 374, Evolve Bank & Trust Memphis 473, Citizens Savings Bank and Trust Company Nashville 106, (10.35) Tri-State Bank of Memphis Memphis 91, (12.74) 0.15 (1.96) First Bank of Tennessee Spring City 329, SmartBank Pigeon Forge 2,062, First Advantage Bank Clarksville 602, Peoples Bank Sardis 79, Farmers State Bank Mountain City 143, (1.42) First Alliance Bank Cordova 134, Peoples Bank & Trust Company Manchester 99, Civis Bank Rogersville 96, (9.45) 0.40 (5.21) Greenfield Banking Company Greenfield 58, Farmers Bank Portland 645, Peoples Bank of Middle Tennessee Shelbyville 148, (2.56) First Vision Bank of Tennessee Tullahoma 213, (0.34) Athens Federal Community Bank, National Association Athens 473, First National Bank of Manchester Manchester 273, Net Interest Margin

12 Tennessee 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 First Community Bank of Tennessee Shelbyville 506,198 8, , Evolve Bank & Trust Memphis 473,025 2, , Brighton Bank Brighton 67, (0.01) 5, Volunteer State Bank Portland 665,340 9, , FirstBank Nashville 4,935,964 76, , McKenzie Banking Company McKenzie 130,429 2, , Truxton Trust Company Nashville 444,240 6, , Progressive Savings Bank Jamestown 290,387 3, (0.27) 6, Tower Community Bank Jasper 189, , F&M Bank Clarksville 1,074,975 9, , Citizens Bank Elizabethton 833,714 13, (0.12) 13, First National Bank of Middle Tennessee McMinnville 500,826 5, , Bank of Bartlett Bartlett 360,317 1, (0.07) 5, Patriot Bank Millington 327,548 3, , Security Bank Dyersburg 194,536 1, (0.04) 2, Independent Bank Memphis 1,019,354 9, , First Tennessee Bank, National Association Memphis 40,867, , , Commercial Bank & Trust Company Paris 733,801 13, (0.01) 10, Tri-State Bank of Memphis Memphis 91, (0.11) 1, Bank of Putnam County Cookeville 798,996 10, , INSOUTH Bank Brownsville 322,702 3, (0.01) 3, Athens Federal Community Bank, National Association Athens 473,796 5, , Paragon Bank Memphis 395,374 2, (0.06) 4, First Volunteer Bank Chattanooga 979,168 16, , Bank of Waynesboro Waynesboro 166,189 2, , Apex Bank Camden 542,222 17, , Wilson Bank and Trust Lebanon 2,402,925 26, , Citizens First Bank Wartburg 165,263 1, , Centennial Bank Trezevant 452,421 4, , Central Bank Savannah 94,912 1, (0.31) First Citizens National Bank Dyersburg 1,656,725 18, , First Farmers and Merchants Bank Columbia 1,366,102 12, , Farmers Bank Portland 645,862 8, , Community National Bank Dayton 216,871 2, , Bank of Tennessee Kingsport 1,286,933 16, , CapStar Bank Nashville 1,400,960 12, , Bank of Cleveland Cleveland 263,588 3, (0.02) 2, TriStar Bank Dickson 289,615 1, (0.02) 2, First Century Bank Tazewell 364,551 4, , Citizens Tri-County Bank Dunlap 842,092 14, (0.03) 6, Security Federal Savings Bank of McMinnville McMinnville 206,659 1, (0.01) 1, Johnson County Bank Mountain City 119,227 1, Heritage Bank & Trust Columbia 151,195 1, , UBank Jellico 66, Peoples Bank of the South La Follette 148,063 3, , Tennessee State Bank Pigeon Forge 638,933 6, (0.10) 4, Highland Federal Savings & Loan Association Crossville 62, Peoples Bank of East Tennessee Madisonville 209,121 1, , Security Bank and Trust Company Paris 384,772 5, (0.01) 2, Legends Bank Clarksville 472,798 3, , NonInterest Income/ Avg

13 Tennessee Overhead Ranking Rank Company Name City Efficiency Ratio (FTE) 13 Employees Number of Offices Personnel Expense/ Avg. Occupancy Expense/ Avg. Other Expense/ Avg. 1 Citizens Bank Carthage 586, Elizabethton Federal Savings Bank Elizabethton 306, Landmark Community Bank Collierville 956, Franklin Synergy Bank Franklin 4,162, Bank of Crockett Bells 160, First Capital Bank Germantown 303, Mountain Commerce Bank Knoxville 807, Pinnacle Bank Nashville 23,860, , Bank of Jackson Jackson 187, Gates Banking and Trust Company Gates 45, Newport Federal Bank Newport 205, Financial Federal Bank Memphis 558, Bank of Halls Halls 81, Home Federal Bank of Tennessee Knoxville 2,166, First Commerce Bank Lewisburg 380, First Federal Bank Dickson 675, Foothills Bank & Trust Maryville 220, Commercial Bank Harrogate 1,216, Citizens Community Bank Winchester 214, Coffee County Bank Manchester 189, Citizens National Bank Sevierville 1,050, First Farmers and Commercial Bank Pikeville 116, First National Bank of Tennessee Livingston 836, InsBank Nashville 475, Citizens Bank and Trust Company of Grainger County Rutledge 207, Bank of Gleason Gleason 111, First Freedom Bank Lebanon 465, First National Bank of Manchester Manchester 273, Hardin County Bank Savannah 504, Putnam 1st Mercantile Bank Cookeville 123, Citizens Bank & Trust Company Atwood 25, Security Bank and Trust Company Paris 384, Citizens Bank of Lafayette Lafayette 926, Bank of Dickson Dickson 223, CBBC Bank Maryville 352, First National Bank of Pulaski Pulaski 824, Bank of Putnam County Cookeville 798, Bank of Fayette County Piperton 585, Union Bank & Trust Company Livingston 83, Macon Bank and Trust Company Lafayette 383, CapStar Bank Nashville 1,400, CedarStone Bank Lebanon 199, Atlantic Capital Bank, National Association Chattanooga 2,690, Citizens Tri-County Bank Dunlap 842, First Farmers and Merchants Bank Columbia 1,366, Wilson Bank and Trust Lebanon 2,402, First National Bank of Oneida Oneida 214, Reliant Bank Brentwood 1,654, First Vision Bank of Tennessee Tullahoma 213, Security Federal Savings Bank of McMinnville McMinnville 206, Overhead/ Avg.

14 Tennessee 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 Truxton Trust Company Nashville 444, , Peoples Bank & Trust Company Manchester 99,761 66, (0.12) Sumner Bank & Trust Gallatin 170, , (0.06) Foothills Bank & Trust Maryville 220, , (0.02) Southern Bank of Tennessee Mount Juliet 267, , InsBank Nashville 475, , CBBC Bank Maryville 352, , (0.11) Franklin Synergy Bank Franklin 4,162,473 2,491, (0.03) First Community Bank of Tennessee Shelbyville 506, , First Commerce Bank Lewisburg 380, , Gates Banking and Trust Company Gates 45,804 15, Financial Federal Bank Memphis 558, , CapStar Bank Nashville 1,400,960 1,112, (0.15) Security Bank and Trust Company Paris 384, , Legends Bank Clarksville 472, , First Farmers and Merchants Bank Columbia 1,366, , (0.02) Bank of Putnam County Cookeville 798, , First Century Bank Tazewell 364, , (0.07) Traditions First Bank Erin 146,460 79, Community Bank Lexington 149, , SmartBank Pigeon Forge 2,062,206 1,576, SouthEast Bank Farragut 1,381,579 1,208, Wilson Bank and Trust Lebanon 2,402,925 1,916, CedarStone Bank Lebanon 199, , Atlantic Capital Bank, National Association Chattanooga 2,690,397 1,938, Volunteer State Bank Portland 665, , First Citizens National Bank Dyersburg 1,656, , (0.03) First National Bank of Middle Tennessee McMinnville 500, , (0.09) F&M Bank Clarksville 1,074, , Pinnacle Bank Nashville 23,860,234 17,172, Patriot Bank Millington 327, , Reliant Bank Brentwood 1,654,035 1,173, Citizens Bank Hartsville 214, , Triumph Bank Memphis 775, , Farmers Bank Portland 645, , Bank of Tennessee Kingsport 1,286,933 1,004, BankTennessee Collierville 283, , Landmark Community Bank Collierville 956, , Paragon Bank Memphis 395, , Peoples Bank of Middle Tennessee Shelbyville 148, , First National Bank of Tennessee Livingston 836, , Bank of Milan Milan 65,842 41, Farmers and Merchants Bank Adamsville 40,729 22, (0.01) Commercial Bank & Trust Company Paris 733, , Andrew Johnson Bank Greeneville 374, , Heritage Bank & Trust Columbia 151, , (0.09) First Capital Bank Germantown 303, , First Advantage Bank Clarksville 602, , FirstBank Nashville 4,935,964 3,790, (0.05) Millennium Bank Ooltewah 173, , (0.02) 1.31 Asset Quality Composite

15 Tennessee 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 Apex Bank Camden 542,222 17, ,612 14, Coffee County Bank Manchester 189,994 4, ,314 3, First Volunteer Bank Chattanooga 979,168 16, ,784 11, McKenzie Banking Company McKenzie 130,429 2, , First Commerce Bank Lewisburg 380,774 4, ,037 4, First Community Bank of Tennessee Shelbyville 506,198 8, ,228 4, Citizens Community Bank Winchester 214,732 3, ,566 3, FirstBank Nashville 4,935,964 76,716 1, ,340 56, Truxton Trust Company Nashville 444,240 6, ,466 5, Bank of Crockett Bells 160,514 2, ,068 1, Citizens Bank Carthage 586,547 12, ,656 12, Bank of Putnam County Cookeville 798,996 10, ,470 5, Central Bank Savannah 94,912 1, First Century Bank Tazewell 364,551 4, , Bank of Perry County Lobelville 159,508 2, ,672 2, Citizens National Bank Sevierville 1,050,727 18, ,593 10, First National Bank of Manchester Manchester 273,501 4, ,163 3, Citizens Tri-County Bank Dunlap 842,092 14, ,591 10, Bank of Waynesboro Waynesboro 166,189 2, ,157 1, Union Bank & Trust Company Livingston 83,809 1, ,719 1, Citizens Bank Hartsville 214,949 2, ,333 2, Commercial Bank & Trust Company Paris 733,801 13, ,003 11, Athens Federal Community Bank, National Association Athens 473,796 5, ,053 3, Bank of Fayette County Piperton 585,232 5, ,218 3, Farmers Bank Portland 645,862 8, ,026 7, Volunteer State Bank Portland 665,340 9, ,684 12, Centennial Bank Trezevant 452,421 4, ,497 3, Bank of Halls Halls 81, Bank of Tennessee Kingsport 1,286,933 16, ,902 12, INSOUTH Bank Brownsville 322,702 3, ,477 1, Hardin County Bank Savannah 504,941 4, , Citizens Bank of Lafayette Lafayette 926,240 10, ,480 9, Security Bank and Trust Company Paris 384,772 5, ,309 3, Bank of Lincoln County Fayetteville 137,126 2, ,738 1, Mountain Commerce Bank Knoxville 807,209 7, ,556 4, American Bank & Trust of the Cumberlands Livingston 232,306 2, ,725 2, Heritage Bank & Trust Columbia 151,195 1, , Peoples Bank of the South La Follette 148,063 3, ,707 2, Patriot Bank Millington 327,548 3, ,385 2, Andrew Johnson Bank Greeneville 374,668 3, ,332 3, Commercial Bank Harrogate 1,216,213 10, ,285 6, First Farmers and Merchants Bank Columbia 1,366,102 12, ,624 10, First Bank of Tennessee Spring City 329,479 4, ,079 4, Putnam 1st Mercantile Bank Cookeville 123,146 1, ,181 1, Community Bank & Trust Ashland City 230,704 2, ,500 1, Franklin Synergy Bank Franklin 4,162,473 35, ,170 24, People's Bank and Trust Company of Pickett County Byrdstown 117,487 1, ,174 1, First Citizens National Bank Dyersburg 1,656,725 18, ,484 14, Wilson Bank and Trust Lebanon 2,402,925 26, ,719 24, Millennium Bank Ooltewah 173,377 2, ,268 1, ROAA ROAE

16 Tennessee Overall Ranking Rank Company Name City Net Interest Margin Rank 16 Noninterest Income Rank Overhead Rank 1 First Century Bank Tazewell 364, First Volunteer Bank Chattanooga 979, Security Bank and Trust Company Paris 384, Coffee County Bank Manchester 189, FirstBank Nashville 4,935, Farmers Bank Portland 645, First Commerce Bank Lewisburg 380, Bank of Putnam County Cookeville 798, Citizens Bank Hartsville 214, Citizens Tri-County Bank Dunlap 842, First National Bank of Manchester Manchester 273, Bank of Waynesboro Waynesboro 166, Wilson Bank and Trust Lebanon 2,402, Commercial Bank & Trust Company Paris 733, Athens Federal Community Bank, National Association Athens 473, Citizens National Bank Sevierville 1,050, Centennial Bank Trezevant 452, Truxton Trust Company Nashville 444, Volunteer State Bank Portland 665, Bank of Lincoln County Fayetteville 137, INSOUTH Bank Brownsville 322, Bank of Tennessee Kingsport 1,286, First Farmers and Merchants Bank Columbia 1,366, Citizens Community Bank Winchester 214, CapStar Bank Nashville 1,400, McKenzie Banking Company McKenzie 130, First Citizens National Bank Dyersburg 1,656, Peoples Bank & Trust Company Manchester 99, Pinnacle Bank Nashville 23,860, Citizens Bank Carthage 586, Citizens Bank Elizabethton 833, Legends Bank Clarksville 472, Andrew Johnson Bank Greeneville 374, Patriot Bank Millington 327, Apex Bank Camden 542, First Community Bank of Tennessee Shelbyville 506, Citizens Bank of Lafayette Lafayette 926, American Bank & Trust of the Cumberlands Livingston 232, Heritage Bank & Trust Columbia 151, Bank of Perry County Lobelville 159, Brighton Bank Brighton 67, InsBank Nashville 475, BankTennessee Collierville 283, First Freedom Bank Lebanon 465, Community Bank Lexington 149, First Federal Bank Dickson 675, Union Bank & Trust Company Livingston 83, Financial Federal Bank Memphis 558, First National Bank of Pulaski Pulaski 824, Peoples Bank of the South La Follette 148, Asset Quality Rank ROAE Rank Overall Rank

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