Banking Almanac: Geor gia

Banking Almanac: Georgia

As of and for the Twelve Months Ended March, 2020

Porter White & Company

Investment Bankers Since 1975

Porter, White & Company

Table of Contents

I. Alphabetical City Year Established Charter Type Parent Total Assets Equity / Assets After-Tax Return on Average Assets After-Tax Return on Average Equity Nonperforming Assets to Total Assets

II. Total Assets City Total Loans Total Deposits Total Equity Tier 1 Leverage Ratio Number of Offices Number of Employees Assets per Employee Assets per Office Deposits per Office Total Assets

III. Net Interest Margin City Total Assets Loans / Deposits Securities / Assets Loan Growth Deposit Growth Yield on Loans Yield on Securities (TE) Cost of Funds Net Interest Margin

V. Non-Interest Expense City Total Assets Assets per Employee Efficiency Ratio Personnel Expense / Average Assets Occupancy Expense / Average Assets Other Non-Interest Expense / Average Assets Total Non-Interest Expense / Average Assets

VI. Asset Quality City Total Assets Gross Loans Adjusted Texas Ratio Other Real Estate Owned Reserve for Loan Losses / Gross Loans Provision Expense / Average Assets Adjusted Loans 30-89 Days Past Due / Gross Loans Adjusted Loans 90+ Days Past Due / Gross Loans Adj. Nonperforming Loans + Adj OREO / Gross Loans + OREO Net Charge-offs / Average Loans Asset Quality Score

VII. Pre-Tax Return on Average Equity City Total Assets Total Equity Equity / Assets Net Income for Twelve Months Ended March 31, 2020 Net Income per Employee Net Income for Twelve Months Ended March 31, 2019 Net Income for Twelve Months Ended March 31, 2018 Pre-Tax Return on Average Assets Pre-Tax Return on Average Equity

IV. Non-Interest Income City Net Income Non-Interest Income Service Charges/ Average Assets Gain on Sale of Loans / Average Assets Gain on Sale of OREO / Average Assets Other Non-Interest Income / Average Assets Total NonInterest Income / Average Assets

PW&Co

Porter, White & Company

Notes on Almanac

Data, based on regulatory filings, are furnished by S&P Global Market Intelligence and contain copyrighted and trade secret material distributed under license from S&P. The data are for the recipient's internal use only.

All data are as of and for the twelve months ended March 31, 2020 unless otherwise noted. While the data are believed to be reliable, we have made no attempt to verify its accuracy.

Reported net income figures are not adjusted if an institution is an S-corporation.

ROAA/ROAE figures are marked as Pre-Tax or After-Tax. For S-corps, After-Tax ROAA/ROAE are adjusted to tax-equivalent bases.

Texas Ratio presented in Asset Quality section has been adjusted to exclude the portion of nonperforming assets that are guaranteed by the U.S. government or FDIC. This ratio is calculated as:

NPAs + Loans 90 PD ? Government guarantees Tangible equity + loan loss reserves

Past due, Nonperforming Loan and OREO measures presented in Asset Quality section have been adjusted to exclude the portion of nonperforming assets that are guaranteed by the U.S. government or FDIC.

Asset Quality Score is calculated as follows:

Adjusted Loans 30-89 Days Past Due/Gross Loans + Adjusted Loans 90+ Days Past Due/Gross Loans + Adjusted Nonperforming Loans + Adjusted OREO/Gross Loans + OREO + Net Charge-offs/Average Loans = Asset Quality Score

Michael Stone, CFA (205) 458-9137 michael@

Porter White Community Bank Practice

Mike Murphey (205) 458-9122 murphey@

PW&Co

ALPHABETICAL

Rank Institution 1 AB&T National Bank 2 Altamaha Bank and Trust Co. 3 American Commerce Bank 4 American Pride Bank 5 Ameris Bank 6 Atlantic Capital Bank, NA 7 Bank of Alapaha 8 Bank of Camilla 9 Bank of Dade 10 Bank of Dawson 11 Bank of Dudley 12 Bank of Eastman 13 Bank of Edison 14 Bank of Hancock County 15 Bank of Hazlehurst 16 Bank of LaFayette, Georgia 17 Bank of Lumber City 18 Bank of Madison 19 Bank of Monticello 20 Bank of Newington 21 Bank of Wrightsville 22 BankSouth 23 Barwick Banking Company 24 Cadence Bank, N.A. 25 Carver State Bank 26 Century Bank & Trust 27 Century Bank of Georgia 28 CIBC National Trust Company 29 Citizens Bank & Trust Company 30 Citizens Bank & Trust, Inc. 31 Citizens Bank of Americus 32 Citizens Bank of Cochran 33 Citizens Bank of Georgia 34 Citizens Bank of Swainsboro 35 Citizens Bank of The South 36 Citizens Community Bank 37 Citizens National Bank, Quitman 38 Citizens Trust Bank 39 Claxton Bank 40 Colony Bank 41 Commercial Bank 42 Commercial Banking Company 43 Community Bank & Trust 44 Community Bank of Georgia 45 Comm. Bank of Pickens County 46 Comm. Bank Co. of Fitzgerald 47 Cornerstone Bank 48 Douglas National Bank 49 Durden Banking Company 50 Elberton FS&LA 51 Embassy National Bank 52 Exchange Bank 53 F & M Bank and Trust Company 54 F&M Bank 55 Family Bank 56 Farmers & Merchants Bank 57 Farmers & Merchants Bank 58 Farmers and Merchants Bank 59 Farmers Bank 60 Farmers State Bank 61 Farmers State Bank 62 First American B&T 63 First Bank 64 First Bank of Coastal Georgia 65 First Bank of Pike 66 First Century Bank, NA 67 First Chatham Bank 68 First FS&LA of Valdosta

City

Albany Vidalia Bremen Macon Atlanta Atlanta Alapaha Camilla Trenton Dawson Dublin Eastman Edison Sparta Hazlehurst Lafayette Lumber City Madison Monticello Newington Wrightsville Greensboro Barwick Atlanta Savannah Milledgeville Cartersville Atlanta Eastman Trenton Americus Cochran Cumming Swainsboro Sandersville Hahira Quitman Atlanta Claxton Fitzgerald Crawford Valdosta LaGrange Baxley Jasper Fitzgerald Atlanta Douglas Twin City Elberton Lawrenceville Milledgeville Manchester Washington Pelham Eatonton Lakeland Sylvania Greensboro Dublin Lincolnton Athens Dalton Pembroke Molena Gainesville Savannah Valdosta

Charter Corp.

Year Est. Type

Type

1999 ST-Bank C-corp

1946 2004 2007 1971

ST-Bank Fed-Bank ST-Bank ST-Bank

S-corp C-corp S-corp C-corp

1999 1905 1890 1956 1911

Fed-Bank ST-Bank ST-Bank ST-Bank ST-Bank

C-corp C-corp C-corp S-corp S-corp

1905 ST-Bank C-corp

1909 1904 1904 1906

ST-Bank ST-Bank ST-Bank ST-Bank

S-corp S-corp C-corp S-corp

1899 ST-Bank C-corp

1945 1890 1909

ST-Bank ST-Bank ST-Bank

C-corp C-corp S-corp

1919 ST-Bank C-corp

1897 1946 1934 1887 1927

ST-Bank S-corp Fed-Thrift C-corp ST-Bank C-corp Fed-Bank C-corp ST-Bank C-corp

1898 2000 1969 1934

ST-Bank ST-Bank Fed-Bank ST-Bank

C-corp C-corp C-corp S-corp

1988 1937 1942 1997 1900

Fed-Thrift C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp

1965 ST-Bank C-corp

1927 1934 1921

ST-Bank S-corp Fed-Bank C-corp ST-Bank C-corp

1941 1976 1924 1929 1984

ST-Bank S-corp ST-Bank C-corp ST-Bank S-corp Fed-Thrift C-corp ST-Bank C-corp

2004 ST-Bank C-corp

2000 1996 2001 2001

ST-Bank C-corp ST-Bank C-corp Fed-Thrift C-corp Fed-Bank S-corp

1935 1922 2007 1903 1948 1950

ST-Bank S-corp Fed-Thrift C-corp Fed-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp

1931 1922 1907

Fed-Thrift C-corp ST-Bank C-corp ST-Bank C-corp

1946 1911 1934 1911 1928

ST-Bank ST-Bank ST-Bank ST-Bank ST-Bank

C-corp C-corp S-corp S-corp C-corp

1996 ST-Bank C-corp

1907 1899 2002 2002 1934

ST-Bank C-corp ST-Bank C-corp Fed-Bank C-corp ST-Bank C-corp Fed-Thrift C-corp

Parent Community Capital Bancshares, Inc. Altamaha Bancshares, Inc. American Commerce Bancshares, Inc. American Bancorp, Inc. Ameris Bancorp Atlantic Capital Bancshares, Inc. Alapaha Holding Company Camilla Bancshares, Inc. Tri-States Bankshares, Inc. Dawson Bancshares, Inc. Hogan Investments, LP Magnolia Bankshares, Inc. BOE Bancshares, Inc.

Hazlehurst Investors, Inc. LaFayette Bankshares, Inc.

Madison Bank Corp. Monticello Bancshares, Inc.

Wrightsville Bancshares, Inc. BankSouth Holding Company

Cadence Bancorporation Carver Financial Corporation Century Bancorp, Inc. CBB Bancorp Canadian Imperial Bank of Commerce Citizens Corporation TAG Bancshares, Inc. CBA Bankshares, Inc. Putnam-Greene Financial Corporation Forsyth Bancshares, Inc. Swainsboro Bankshares, Inc.

CCB Bancshares, Inc.

Citizens Bancshares Corporation Southern Bankshares, Inc. Colony Bankcorp, Inc. TCB Bancshares, Inc. Lowndes Bancshares, Inc. Community Bankshares, Inc. Community Bank of Georgia, Inc. Community Banks of Georgia, Inc. CBC Holding Company Cornerstone Bancshares, Inc. DNB Financial Services, Inc. Durden Bankshares, Inc.

Embassy Bancshares, Inc. Exchange Bankshares, Inc. F & M Holding Company, Inc. Washington/Wilkes Holding Company

Putnam-Greene Financial Corporation FMB Bancshares, Inc. Screven Bancshares, Inc. Putnam-Greene Financial Corporation Farmers Bancshares, Inc. Lincoln Bancshares, Inc. First American Bancorp FBD Holding Company, Inc. Putnam-Greene Financial Corporation

First Century Bancorp. FCB Financial Corp.

Total Equity /

Assets Assets

($000)

(%)

202,907 9.87

175,270 372,671 203,448 18,126,488

11.53 11.43 14.33 14.34

2,719,322 184,974 105,431 117,320 127,058

13.60 10.81 16.06 10.40 18.76

230,422 13.00

160,394 53,191 76,416

125,860

12.18 8.72

22.28 14.29

287,914 13.00

23,703 242,191 114,250

15.72 12.65 11.02

151,821 8.54

61,223 758,352

13,225 17,233,498

46,124

9.65 10.22 11.78 12.83

9.90

273,883 212,553 267,770 174,921

11.11 10.19 65.60

9.32

104,468 338,741 108,229 346,039 224,532

11.40 9.73

10.00 11.21 10.68

263,845 11.40

144,824 104,539 444,324

12.59 13.39 10.84

121,150 1,506,239

253,347 234,797

74,040

10.81 10.97

9.04 15.23

2.98

138,732 9.54

378,331 164,164 204,771 188,904

11.58 13.19

9.85 11.72

186,632 24,450

120,821 269,590

70,859 268,917

15.88 20.73 16.11 13.56

4.91 17.89

112,685 189,453 521,216

11.33 13.98

6.44

121,266 109,931 123,160 135,522 578,941

14.47 13.44 15.89 15.95 11.33

418,917 9.43

125,871 53,139

409,245 377,234 194,898

12.63 8.67

11.18 10.24 15.02

AfterTax

ROAA (%)

0.96 0.86 1.44 0.96 1.03 1.96 0.85 1.20 1.43 1.35 1.24 0.64 0.68 0.93 0.56 0.63 0.46 1.29 1.36 1.07 1.05 2.32 0.11 (1.36) 0.37 1.48 1.54 8.20 0.76 1.17 1.35 0.61 1.37 1.35 1.02 1.03 1.20 0.90 0.88 0.74 1.69 1.24 (1.05) 1.46 1.50 1.41 (0.89) 2.37 1.64 0.26 1.69 1.21 0.07 1.06 1.07 0.98 0.14 0.97 0.33 1.10 1.57 1.41 1.41 0.78 0.62 2.46 0.36 0.17

AfterTax

ROAE (%)

NPA/ Total Assets

(%)

9.63 0.48

7.24 3.84 12.41 0.92 6.59 1.77 7.40 0.79

13.59 0.64 7.78 0.95 7.37 1.74 12.92 0.93 7.22 2.13

9.60 0.93

5.65 4.54 7.44 0.53 4.30 0.15 4.00 5.96

5.00 0.78

2.89 1.32 9.62 1.61 12.36 0.92

12.41 0.75

10.88 0.31 23.82 0.67 1.21 0.00 (9.40) 1.05 3.47 3.13

13.78 1.19 14.46 0.38 11.62 0.00 7.55 0.75

10.27 0.64 14.18 0.70 6.01 0.70 12.72 0.45 12.55 0.58

8.80 0.87

8.11 1.16 8.93 1.01 8.19 1.26

7.94 1.89 6.88 1.11 16.46 0.09 8.34 1.04 (31.00) 5.36

14.65 1.32

12.97 3.84 10.99 0.96 (8.75) 7.27 19.13 1.03

10.06 0.30 1.27 0.00 10.02 0.00 8.75 0.58 1.38 4.46 6.08 0.48

8.60 1.37 7.06 4.24 2.23 5.42

6.23 1.88 2.25 0.56 7.25 1.65 9.19 1.01 12.79 0.63

15.61 1.60

5.56 0.26 7.25 0.37 25.93 1.10 3.50 4.54 1.12 3.05

GEORGIA BANKING ALMANAC Data as of and for 12 months ended Mar. 31, 2020. This report does not constitute an opinion as to the financial condition of any institution.

PW&Co

ALPHABETICAL

Rank Institution

69 First IC Bank 70 FNB of Coffee County 71 FNB of Decatur County 72 First National Bank of Griffin 73 FNB of Waynesboro 74 First National Community Bank 75 First Peoples Bank 76 First Port City Bank 77 First Southern Bank 78 First State Bank 79 First State Bank of Blakely 80 First St. Bank, Randolph County 81 Flint Community Bank 82 FNB South 83 Four County Bank 84 Geo. D. Warthen Bank 85 Georgia Banking Company 86 Georgia Community Bank 87 Georgia Primary Bank 88 Glennville Bank 89 Greater Community Bank 90 Guardian Bank 91 Heritage First Bank 92 Heritage Southeast Bank 93 Legacy State Bank 94 Liberty First Bank 95 Loyal Trust Bank 96 Merchants & Citizens Bank 97 Metro City Bank 98 Morris Bank 99 Mount Vernon Bank 100 Newton Federal Bank 101 North Georgia National Bank 102 Northeast Georgia Bank 103 Oconee State Bank 104 One South Bank 105 Peach State Bank & Trust 106 Peoples Bank 107 Peoples Bank 108 Peoples Bank 109 Peoples Bank & Trust 110 Peoples Bank of Georgia 111 PeoplesSouth Bank 112 Persons Banking Company 113 Piedmont Bank 114 Pineland Bank 115 Pinnacle Bank 116 Planters and Citizens Bank 117 Planters First Bank 118 PrimeSouth Bank 119 PromiseOne Bank 120 Quantum National Bank 121 Queensborough National B&T 122 Rabun County Bank 123 River City Bank 124 Rochelle State Bank 125 Security State Bank 126 Signature Bank of Georgia 127 South Coast Bank & Trust 128 South Georgia Bank 129 South Georgia Banking Co. 130 SouthCrest Bank NA 131 Southeast First National Bank 132 Southeastern Bank 133 Southern Bank 134 State Bank of Cochran 135 SunMark Community Bank 136 Synovus Bank

Charter Corp.

City

Year Est. Type

Type

Doraville

2000

Douglas

1991

Bainbridge 2004

Griffin

1933

Waynesboro 1905

Chatsworth 1975

Pine Mountain 1990

Bainbridge 1974

Patterson

1907

Wrens

1964

Blakely

1903

Cuthbert

1900

Albany

2006

Alma

1951

Allentown 1941

Sandersville 1871

Sandy Springs 2001

Dawson

1936

Atlanta

2007

Glennville

1905

Rome

1996

Valdosta

2001

Rome

1904

Jonesboro 1955

Loganville

2005

Monroe

2006

Johns Creek 2019

McRae

1929

Doraville

2006

Dublin

1954

Mount Vernon 1901

Covington

1928

Calhoun

1999

Lavonia

1906

Watkinsville 1960

Blakely

1939

Gainesville 2005

Willacoochee 1948

Eatonton

1943

Lyons

1935

Buford

1984

Talbotton

1891

Colquitt

1973

Forsyth

1910

Peachtree Corne2rs006

Alma

1939

Elberton

1934

Camilla

1913

Hawkinsville 1896

Waycross

1891

Duluth

2008

Suwanee

1995

Louisville

1902

Clayton

1975

Rome

2006

Rochelle

1947

McRae

1950

Sandy Springs 2005

Brunswick 1934

Glennville

1987

Tifton

1937

Atlanta

1920

Summerville 1968

Darien

1889

Sardis

1945

Cochran

1922

Hawkinsville 1949

Columbus

1888

ST-Bank C-corp Fed-Bank S-corp Fed-Bank C-corp Fed-Bank C-corp Fed-Bank C-corp Fed-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank S-corp ST-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank S-corp ST-Bank S-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp Fed-Thrift C-corp Fed-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank S-corp ST-Bank S-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank S-corp Fed-Bank S-corp Fed-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank S-corp ST-Bank S-corp ST-Bank C-corp Fed-Bank C-corp Fed-Bank C-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank S-corp ST-Bank C-corp

Parent

Total Equity /

Assets Assets

($000)

(%)

First IC Corporation

684,105

FNC Bancorp, Inc.

245,213

Bainbridge Bancshares, Inc.

180,380

291,757

First Burke Banking Company

150,936

First Chatsworth Bankshares, Inc.

277,621

First Peoples Bankshares, Inc.

190,525

Port City Holding Company, Inc.

258,170

141,312

CSRA Bank Corp.

165,166

First State Bancshares of Blakely, Inc.

494,858

80,903

Flint Community Bancshares, Inc.

251,837

First Bank Shares of the South East, Inc.

399,094

Four County Bancshares, Inc.

73,042

182,303

Georgia Banking Company, Inc.

663,235

Georgia Community Bancorp, Incorporated 328,153

237,266

GB Bank Group, Inc.

269,490

Greater Community Bancshares, Inc.

228,920

WB&T Bankshares, Inc.

435,014

Heritage First Bancshares, Inc.

151,412

Heritage Southeast Bancorporation, Inc. 1,324,338

113,794

155,293

30,489

107,147

MetroCity Bankshares, Inc.

1,608,456

Morris State Bancshares, Inc.

1,020,171

Heart of Georgia Bancshares, Inc.

135,562

Community First Bancshares, MHC

645,988

North Georgia Community Financial Partners, I1n3c2. ,632

First Security Bankshares, Inc.

487,518

Oconee Financial Corporation

391,116

One South Financial, Inc.

149,638

Peach State Bancshares, Inc.

287,378

Atkinson County Bankshares Corporation

79,267

Peoples Bankshares, Inc.

146,909

South Georgia Bankshares Corporation

115,717

Peoples Banktrust, Inc.

354,646

88,561

PeoplesSouth Bancshares, Inc.

804,664

Persons Banking Company, Inc.

324,933

Piedmont Bancorp, Inc.

1,050,569

South Banking Company

289,911

Pinnacle Financial Corporation

999,276

P & C Bank Shares, Inc.

99,991

Planters First Bancorp

326,632

Jones Bancshares, L.P.

729,673

PromiseOne Bancorp, Inc.

483,721

Quantum Capital Corp.

513,214

Queensborough Company

1,234,803

Liberty Bancorp of Georgia, Inc.

194,918

RCB Financial Corporation

155,508

31,665

Farmers Bancshares, Inc.

45,366

158,807

WB&T Bankshares, Inc.

147,930

South Group Bancshares, Inc.

163,677

South Georgia Bank Holding Company

454,938

SouthCrest Financial Group, Inc.

575,173

Summerville/Trion Bancshares, Inc.

51,306

Southeastern Banking Corporation

446,832

Sardis Bankshares, Inc.

79,651

Central Georgia Banking Company

215,217

SunMark Bancshares, Inc.

289,608

Synovus Financial Corp.

50,521,947

11.74 10.14

9.51 8.12 16.66 13.01 9.07 7.86 12.62 8.66 16.13 9.35 8.31 16.64 14.37 9.44 6.43 12.69 9.25 11.87 9.78 10.80 11.05 12.20 10.69 9.76 76.47 18.12 12.93 11.88 11.67 11.22 11.26 10.85 9.17 10.43 10.46 13.47 14.34 8.82 11.00 10.64 9.50 7.17 12.02 11.01 11.79 12.22 10.41 10.96 11.65 11.07 10.41 12.83 12.61 15.62 16.23 11.99 9.95 12.32 14.55 10.04 13.67 11.92 11.94 15.44 11.31 10.67

AfterTax

ROAA (%)

1.37 1.03 0.86 0.65 1.65 0.94 1.19 0.48 (1.05) 1.55 1.33 0.53 1.09 2.73 1.57 0.85 0.57 1.44 0.73 1.31 0.91 1.17 0.80 0.33 1.15 0.86

NA 0.75 2.88 1.50 1.06 (0.11) 0.63 1.40 0.95 0.46 1.01 0.90 0.53 1.21 1.01 0.98 1.50 0.19 1.61 0.74 1.28 0.53 0.91 1.37 1.88 2.32 1.15 1.02 0.90 (0.75) 1.17 0.31 0.96 1.91 1.16 0.92 0.09 1.55 0.32 2.06 1.33 1.06

AfterTax

ROAE (%)

NPA/ Total Assets

(%)

12.18 1.65 11.27 0.22 9.13 0.53 8.33 0.19 9.27 0.27 7.88 2.04 11.01 0.58 5.52 0.17 (7.11) 2.53 17.99 0.91 8.87 2.05 5.59 3.26 13.14 1.68 16.74 0.58 10.79 0.57 9.09 2.13 6.85 0.86 13.81 2.36 6.21 0.07 10.80 1.11 9.17 0.28 11.26 1.44 7.26 1.97 2.85 2.05 11.11 1.44 7.76 1.04

NA 0.00 4.20 0.45 23.99 0.89 12.93 1.61 8.95 2.05 (0.69) 1.07 5.41 1.07 12.54 0.57 10.14 1.51 4.34 0.90 9.57 0.12 6.59 0.20 7.04 2.69 13.17 0.35 9.49 0.82 9.08 0.94 15.97 1.31 2.65 1.26 13.89 0.45 6.66 1.27 11.22 0.20 4.40 0.03 8.73 1.69 12.09 0.49 14.71 2.43 20.47 0.00 11.48 2.83 7.65 1.08 7.54 0.61 (4.25) 3.13 7.37 0.00 2.40 4.16 9.41 0.23 15.09 0.03 8.10 0.45 8.87 0.80 0.71 0.23 12.23 0.59 2.62 2.50 12.51 2.71 11.70 0.54 9.61 0.65

GEORGIA BANKING ALMANAC Data as of and for 12 months ended Mar. 31, 2020. This report does not constitute an opinion as to the financial condition of any institution.

PW&Co

ALPHABETICAL

Rank Institution

137 Synovus Trust Co, NA 138 Talbot State Bank 139 Tandem Bank 140 TC Federal Bank 141 The Bank of Soperton 142 Thomasville National Bank 143 Touchmark National Bank 144 Trust Bank 145 United Bank 146 United Community Bank 147 United National Bank 148 Vidalia Federal Savings Bank 149 Vinings Bank 150 Waycross Bank & Trust 151 West Central Georgia Bank 152 WestSide Bank 153 Wheeler County State Bank 154 Wilcox County State Bank 155 Wilkinson County Bank

City

Columbus Woodland Tucker Thomasville Soperton Thomasville Alpharetta Lenox Zebulon Blairsville Cairo Vidalia Smyrna Waycross Thomaston Hiram Alamo Abbeville Irwinton

Charter Corp.

Year Est. Type

Type

1995 1907 2019 1934 1903 1995 2008 1906 1905 1950 2000 1936 2007 1988 1974 2006 1934 1952 1907

Fed-Bank C-corp ST-Bank S-corp ST-Bank C-corp Fed-Thrift C-corp ST-Bank S-corp Fed-Bank C-corp Fed-Bank C-corp ST-Bank S-corp ST-Bank S-corp ST-Bank C-corp Fed-Bank C-corp Fed-Thrift C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank C-corp ST-Bank S-corp ST-Bank C-corp ST-Bank C-corp

Parent Synovus Financial Corp. TSB Bancorp, Inc.

Soperton Bancshares, Incorporated Thomasville Bancshares, Inc. Touchmark Bancshares, Inc. Trust Holding Company, Inc. United Bank Corporation United Community Banks, Inc.

Vinings Bancshares, Inc. WB&T Bankshares, Inc. WCG Bancshares, Inc.

Wheeler Bancshares, Inc. WCSB Holding Company, Inc.

MEDIAN AVERAGE HIGH LOW

Total Equity /

Assets Assets

($000)

(%)

100,506 54,951 43,223

314,215 95,867

1,002,299 420,218 36,539

1,512,804 13,058,533

214,407 199,753 432,650 187,962 124,901 138,127 101,213 116,190

49,466

98.10 12.38 43.78 12.72

9.81 9.72 12.01 11.14 10.57 13.08 15.36 16.13 8.72 11.08 26.52 12.42 16.10 11.11 17.07

194,898 935,151

11.53 13.51

50,521,947 13,225

98.10 2.98

AfterTax

ROAA (%)

9.50 1.33

NA 0.43 1.31 1.97 1.03 0.53 1.91 1.45 1.44 0.06 1.16 1.36 1.24 3.05 0.90 1.16 1.22 1.06 1.14 9.50 (1.36)

AfterTax

ROAE (%)

NPA/ Total Assets

(%)

9.91 0.00 10.90 2.85

NA 0.00 3.34 0.96 13.73 0.71 20.80 0.18 8.55 1.93 4.92 5.16 18.00 0.53 10.65 0.63 9.94 3.72 0.37 0.48 13.01 0.20 12.35 0.46 4.64 0.04 28.48 2.73 5.18 0.70 10.72 1.22 7.21 0.62

8.93 0.92 8.77 1.32

28.48 7.27 (31.00) 0.00

GEORGIA BANKING ALMANAC Data as of and for 12 months ended Mar. 31, 2020. This report does not constitute an opinion as to the financial condition of any institution.

PW&Co

TOTAL ASSETS

Rank Institution 1 Synovus Bank 2 Ameris Bank 3 Cadence Bank, N.A. 4 United Community Bank 5 Atlantic Capital Bank, NA 6 Metro City Bank 7 United Bank 8 Colony Bank 9 Heritage Southeast Bank 10 Queensborough National B&T 11 Piedmont Bank 12 Morris Bank 13 Thomasville National Bank 14 Pinnacle Bank 15 PeoplesSouth Bank 16 BankSouth 17 PrimeSouth Bank 18 First IC Bank 19 Georgia Banking Company 20 Newton Federal Bank 21 First American B&T 22 SouthCrest Bank NA 23 Farmers & Merchants Bank 24 Quantum National Bank 25 First State Bank of Blakely 26 Northeast Georgia Bank 27 PromiseOne Bank 28 South Georgia Banking Co. 29 Southeastern Bank 30 Citizens Trust Bank 31 Guardian Bank 32 Vinings Bank 33 Touchmark National Bank 34 First Bank 35 First Century Bank, NA 36 FNB South 37 Oconee State Bank 38 Comm. Bank of Pickens County 39 First Chatham Bank 40 American Commerce Bank 41 Peoples Bank & Trust 42 Citizens Bank of Georgia 43 Citizens Bank of Americus 44 Georgia Community Bank 45 Planters First Bank 46 Persons Banking Company 47 TC Federal Bank 48 First National Bank of Griffin 49 Pineland Bank 50 SunMark Community Bank 51 Bank of LaFayette, Georgia 52 Peach State Bank & Trust 53 First National Community Bank 54 Century Bank & Trust 55 Exchange Bank 56 Glennville Bank 57 F&M Bank 58 CIBC National Trust Company 59 Citizens Bank of The South 60 First Port City Bank 61 Commercial Bank 62 Flint Community Bank 63 FNB of Coffee County 64 Bank of Madison 65 Georgia Primary Bank 66 Commercial Banking Company 67 Bank of Dudley 68 Greater Community Bank 69 Citizens Bank of Swainsboro

Total Loans

City

($000)

Columbus

38,377,865

Atlanta

14,492,335

Atlanta

13,430,412

Blairsville

9,025,382

Atlanta

1,932,909

Doraville

1,265,848

Zebulon

697,329

Fitzgerald

1,000,048

Jonesboro

929,295

Louisville

806,831

Peachtree Corners 852,054

Dublin

753,148

Thomasville

851,101

Elberton

717,267

Colquitt

547,192

Greensboro

647,669

Waycross

595,787

Doraville

549,812

Sandy Springs

606,248

Covington

525,574

Athens

381,498

Atlanta

335,984

Lakeland

365,753

Suwanee

444,437

Blakely

353,813

Lavonia

227,573

Duluth

329,211

Tifton

246,095

Darien

239,990

Atlanta

278,113

Valdosta

289,630

Smyrna

163,696

Alpharetta

355,690

Dalton

329,085

Gainesville

53,283

Alma

302,372

Watkinsville

274,701

Jasper

281,255

Savannah

248,818

Bremen

288,626

Buford

156,967

Cumming

219,279

Americus

179,740

Dawson

206,232

Hawkinsville

240,865

Forsyth

200,940

Thomasville

253,101

Griffin

99,695

Alma

215,676

Hawkinsville

203,958

Lafayette

101,575

Gainesville

200,194

Chatsworth

208,629

Milledgeville

161,713

Milledgeville

158,279

Glennville

165,805

Washington

153,040

Atlanta

0

Sandersville

187,349

Bainbridge

175,537

Crawford

168,492

Albany

214,111

Douglas

149,771

Madison

183,202

Atlanta

155,327

Valdosta

179,063

Dublin

158,009

Rome

180,996

Swainsboro

170,647

Total

Tier 1

Deposits Total Equity Leverage

($000)

($000) Ratio (%)

40,235,340 5,391,223

9.62

13,920,011 2,599,279

9.89

14,628,092 2,210,566 10.65

11,176,409 1,708,369 10.78

2,237,057 369,941 12.17

1,279,441 207,922 12.42

1,348,680 159,860 10.53

1,299,757 165,165

9.44

1,135,333 161,549

8.92

1,081,468 128,598

9.78

886,699 126,272 11.16

894,212 121,229 11.05

831,895

97,388

9.57

872,332 117,770

9.66

724,504

76,479

9.33

619,634

77,483 10.63

646,128

79,958 10.36

596,613

80,348 11.15

554,129

42,648

8.88

502,358

72,476

8.27

476,974

65,574 11.44

469,141

57,750

9.66

467,928

33,588

6.16

453,981

56,803 11.31

381,030

79,834 15.80

429,744

52,917 11.54

419,980

56,341 11.92

387,393

66,177 12.21

392,068

53,275 11.83

389,295

48,149 10.96

386,619

46,999 10.61

352,204

37,706

8.29

352,462

50,461 11.71

378,170

39,505

9.45

358,206

45,745

7.81

329,284

66,415 16.63

352,564

35,873

8.93

328,984

43,821 11.71

338,525

38,640

8.87

310,667

42,590 11.77

314,212

39,012 10.53

305,757

38,779 10.78

296,695

32,966

9.47

279,290

41,647 12.14

290,879

34,015 10.39

301,255

23,306

6.86

265,587

39,958 12.68

254,690

23,682

7.10

255,901

31,933 11.24

251,480

32,748 11.42

246,863

37,428 12.43

255,387

30,049 10.81

240,642

36,118 11.67

241,770

30,421 11.77

231,757

36,565 13.76

236,037

31,983 11.58

211,216

48,105 17.47

509 175,653 23.92

233,382

30,068 11.61

229,827

20,299

7.71

221,737

22,911

9.29

213,829

20,938

8.17

219,007

24,857 10.09

204,333

30,648 13.17

214,983

21,950

9.77

194,361

35,748 15.26

200,033

29,955 13.03

186,982

22,394

9.88

193,753

23,978 11.02

Assets /

No. of

No. of Employee

Offices Employees ($000)

298

5,073 9,959

177

2,679 6,766

101

1,843 9,351

143

2,327 5,612

3

208 13,074

19

213 7,551

18

401 3,773

29

365 4,127

24

309 4,286

24

329 3,753

10

124 8,472

9

188 5,426

4

120 8,352

21

226 4,422

29

192 4,191

6

305 2,486

8

146 4,998

8

113 6,054

2

90 7,369

3

90 7,178

7

102 5,676

9

104 5,531

6

118 4,417

3

59 8,699

7

99 4,999

11

98 4,975

8

103 4,696

8

116 3,922

12

109 4,099

7

93 4,778

5

58 7,500

2

41 10,552

1

28 15,008

6

76 5,512

2

63 6,496

4

84 4,751

4

98 3,991

2

56 6,756

7

91 4,145

3

45 8,282

1

53 6,691

4

56 6,179

3

49 6,913

7

78 4,207

9

90 3,629

5

85 3,823

2

45 6,983

7

89 3,278

8

111 2,612

6

87 3,329

3

55 5,235

1

55 5,225

7

68 4,083

2

52 5,267

5

80 3,370

7

68 3,963

6

61 4,408

15

239 1,120

4

61 4,325

5

56 4,610

4

44 5,758

1

41 6,142

4

47 5,217

4

61 3,970

2

35 6,779

5

64 3,669

5

64 3,600

4

47 4,871

4

60 3,742

Assets / Deposits /

Office

Office

($000) ($000)

169,537 135,018

102,410 78,644

170,629 144,833

91,318 78,157

906,441 745,686

84,656 67,339

84,045 74,927

51,939 44,819

55,181 47,306

51,450 45,061

105,057 88,670

113,352 99,357

250,575 207,974

47,585 41,540

27,747 24,983

126,392 103,272

91,209 80,766

85,513 74,577

331,618 277,065

215,329 167,453

82,706 68,139

63,908 52,127

86,869 77,988

171,071 151,327

70,694 54,433

44,320 39,068

60,465 52,498

56,867 48,424

37,236 32,672

63,475 55,614

87,003 77,324

216,325 176,102

420,218 352,462

69,820 63,028

204,623 179,103

99,774 82,321

97,779 88,141

189,166 164,492

53,891 48,361

124,224 103,556

354,646 314,212

86,510 76,439

112,914 98,898

46,879 39,899

36,292 32,320

64,987 60,251

157,108 132,794

41,680 36,384

36,239 31,988

48,268 41,913

95,971 82,288

287,378 255,387

39,660 34,377

136,942 120,885

53,918 46,351

38,499 33,720

44,820 35,203

17,851

34

65,961 58,346

51,634 45,965

63,337 55,434

251,837 213,829

61,303 54,752

60,548 51,083

118,633 107,492

46,959 38,872

46,084 40,007

57,230 46,746

56,133 48,438

Total Assets ($000)

50,521,947 18,126,488 17,233,498 13,058,533 2,719,322 1,608,456 1,512,804 1,506,239 1,324,338 1,234,803 1,050,569 1,020,171 1,002,299

999,276 804,664 758,352 729,673 684,105 663,235 645,988 578,941 575,173 521,216 513,214 494,858 487,518 483,721 454,938 446,832 444,324 435,014 432,650 420,218 418,917 409,245 399,094 391,116 378,331 377,234 372,671 354,646 346,039 338,741 328,153 326,632 324,933 314,215 291,757 289,911 289,608 287,914 287,378 277,621 273,883 269,590 269,490 268,917 267,770 263,845 258,170 253,347 251,837 245,213 242,191 237,266 234,797 230,422 228,920 224,532

GEORGIA BANKING ALMANAC Data as of and for 12 months ended Mar. 31, 2020. This report does not constitute an opinion as to the financial condition of any institution.

PW&Co

TOTAL ASSETS

Rank Institution

70 State Bank of Cochran 71 United National Bank 72 Century Bank of Georgia 73 Cornerstone Bank 74 American Pride Bank 75 AB&T National Bank 76 Vidalia Federal Savings Bank 77 Rabun County Bank 78 First FS&LA of Valdosta 79 First Peoples Bank 80 Farmers & Merchants Bank 81 Douglas National Bank 82 Waycross Bank & Trust 83 Durden Banking Company 84 Bank of Alapaha 85 Geo. D. Warthen Bank 86 FNB of Decatur County 87 Altamaha Bank and Trust Co. 88 Citizens Bank & Trust Company 89 First State Bank 90 Comm. Bank Co. of Fitzgerald 91 South Georgia Bank 92 Bank of Eastman 93 Signature Bank of Georgia 94 River City Bank 95 Liberty First Bank 96 Bank of Newington 97 Heritage First Bank 98 FNB of Waynesboro 99 One South Bank 100 South Coast Bank & Trust 101 Peoples Bank 102 Citizens Community Bank 103 First Southern Bank 104 Community Bank of Georgia 105 WestSide Bank 106 Mount Vernon Bank 107 Farmers State Bank 108 North Georgia National Bank 109 Bank of Dawson 110 First Bank of Coastal Georgia 111 Bank of Hazlehurst 112 West Central Georgia Bank 113 Farmers State Bank 114 Farmers and Merchants Bank 115 Claxton Bank 116 Embassy National Bank 117 Bank of Dade 118 Wilcox County State Bank 119 Peoples Bank 120 Bank of Monticello 121 Legacy State Bank 122 Family Bank 123 Farmers Bank 124 Citizens Bank of Cochran 125 Merchants & Citizens Bank 126 Bank of Camilla 127 Citizens National Bank, Quitman 128 Citizens Bank & Trust, Inc. 129 Wheeler County State Bank 130 Synovus Trust Co, NA 131 Planters and Citizens Bank 132 The Bank of Soperton 133 Peoples Bank of Georgia 134 First St. Bank, Randolph County 135 Southern Bank 136 Peoples Bank 137 Bank of Hancock County 138 Community Bank & Trust

City

Cochran Cairo Cartersville Atlanta Macon Albany Vidalia Clayton Valdosta Pine Mountain Eatonton Douglas Waycross Twin City Alapaha Sandersville Bainbridge Vidalia Eastman Wrens Fitzgerald Glennville Eastman Sandy Springs Rome Monroe Newington Rome Waynesboro Blakely Brunswick Eatonton Hahira Patterson Baxley Hiram Mount Vernon Lincolnton Calhoun Dawson Pembroke Hazlehurst Thomaston Dublin Sylvania Claxton Lawrenceville Trenton Abbeville Lyons Monticello Loganville Pelham Greensboro Cochran McRae Camilla Quitman Trenton Alamo Columbus Camilla Soperton Talbotton Cuthbert Sardis Willacoochee Sparta LaGrange

Total Loans ($000)

122,626 196,066 110,767 133,301 164,554 160,815

60,541 125,994 165,212 104,332

93,556 152,393

86,578 119,175 119,968 108,814 135,001 122,102 116,162 135,000 116,817 105,021 111,020 100,994 110,295

78,578 114,297 119,731

94,076 101,948 119,792

77,085 88,650 87,360 101,477 85,790 70,621 78,820 78,783 85,551 37,963 61,999 45,610 92,089 44,925 73,232 79,052 54,670 84,727 82,171 71,666 90,798 90,087 49,739 80,766 34,674 62,051 68,902 61,787 70,986

0 42,040 75,727 64,090 30,142 43,820 43,653 23,261 40,677

Total

Tier 1

Assets /

Deposits Total Equity Leverage No. of

No. of Employee

($000)

($000) Ratio (%) Offices Employees ($000)

Assets / Deposits /

Office

Office

($000) ($000)

180,962 174,672 189,773 166,987 164,865 165,509 166,980 164,305 123,877 172,002 161,896 164,835 165,782 156,569 163,880 163,158 158,732 154,615 157,569 149,795 136,509 140,866 140,590 136,168 135,685 139,713 137,363 134,134 124,169 124,807 128,334 124,603 126,434 123,080 124,638 120,407 119,255 113,433 113,664 102,667 106,277 107,649

89,771 103,299 103,417 106,165 100,316 104,896

96,065 105,014 100,691

97,521 99,514 94,967 96,996 85,596 85,120 88,682 91,492 84,699

0 87,544 86,211 78,814 73,067 69,849 68,469 59,267 71,764

33,222 32,936 21,659 20,168 29,160 20,036 32,217 25,012 29,276 17,273 26,478 22,133 20,825 29,643 20,001 17,207 17,154 20,208 16,300 14,297 21,646 20,170 19,533 19,039 19,613 15,151 12,964 16,730 25,148 15,613 14,719 21,068 18,238 17,829 13,234 17,152 15,817 21,614 14,933 23,832 15,903 17,980 33,121 19,565 17,543 13,100 19,460 12,197 12,914 10,211 12,595 12,163 12,770 14,770 10,828 19,418 16,930 13,995 11,907 16,299 98,596 12,215

9,401 9,422 7,567 9,514 10,676 17,026 2,210

15.36

4

15.43

1

10.18

3

10.04

3

14.67

4

9.06

3

16.21

2

12.59

3

15.24

4

9.41

3

14.26

2

11.88

1

11.23

1

16.68

4

10.75

4

9.12

1

9.18

3

11.79

4

9.17

4

8.89

4

12.29

2

12.53

4

11.95

4

12.15

2

11.91

1

10.55

1

8.71

3

11.07

3

17.18

3

10.54

3

10.23

2

14.78

3

12.63

4

12.94

5

9.04

1

10.38

2

11.57

3

16.42

3

11.34

3

18.30

1

13.77

2

12.39

2

27.25

3

15.66

3

15.24

3

11.14

3

16.34

1

10.50

3

10.94

4

8.95

2

11.26

2

10.78

1

12.63

3

13.47

1

10.13

2

15.10

1

15.82

1

13.17

1

11.17

3

16.70

3

98.77 NA

11.98

1

10.01

2

10.79

3

9.47

2

12.18

5

13.81

2

21.00

1

3.15

4

53 4,061 53,804 45,241

31 6,916 214,407 174,672

34 6,252 70,851 63,258

39 5,251 68,257 55,662

39 5,217 50,862 41,216

34 5,968 67,636 55,170

30 6,658 99,877 83,490

47 4,147 64,973 54,768

46 4,237 48,725 30,969

39 4,885 63,508 57,334

44 4,306 94,727 80,948

30 6,297 188,904 164,835

20 9,398 187,962 165,782

47 3,971 46,658 39,142

47 3,936 46,244 40,970

34 5,362 182,303 163,158

37 4,875 60,127 52,911

51 3,437 43,818 38,654

50 3,498 43,730 39,392

36 4,588 41,292 37,449

31 5,296 82,082 68,255

45 3,637 40,919 35,217

52 3,085 40,099 35,148

27 5,882 79,404 68,084

38 4,092 155,508 135,685

20 7,765 155,293 139,713

28 5,422 50,607 45,788

42 3,605 50,471 44,711

35 4,312 50,312 41,390

31 4,827 49,879 41,602

25 5,917 73,965 64,167

48 3,061 48,970 41,534

38 3,811 36,206 31,609

52 2,718 28,262 24,616

19 7,302 138,732 124,638

27 5,116 69,064 60,204

31 4,373 45,187 39,752

39 3,475 45,174 37,811

35 3,789 44,211 37,888

24 5,294 127,058 102,667

32 3,933 62,936 53,139

29 4,340 62,930 53,825

33 3,785 41,634 29,924

34 3,622 41,053 34,433

27 4,491 40,422 34,472

34 3,563 40,383 35,388

29 4,166 120,821 100,316

35 3,352 39,107 34,965

32 3,631 29,048 24,016

27 4,286 57,859 52,507

23 4,967 57,125 50,346

16 7,112 113,794 97,521

31 3,635 37,562 33,171

18 6,107 109,931 94,967

26 4,163 54,115 48,498

20 5,357 107,147 85,596

24 4,393 105,431 85,120

20 5,227 104,539 88,682

43 2,429 34,823 30,497

23 4,401 33,738 28,233

175

574 NA

NA

22 4,545 99,991 87,544

27 3,551 47,934 43,106

28 3,163 29,520 26,271

21 3,853 40,452 36,534

28 2,845 15,930 13,970

24 3,303 39,634 34,235

20 3,821 76,416 59,267

33 2,244 18,510 17,941

Total Assets ($000)

215,217 214,407 212,553 204,771 203,448 202,907 199,753 194,918 194,898 190,525 189,453 188,904 187,962 186,632 184,974 182,303 180,380 175,270 174,921 165,166 164,164 163,677 160,394 158,807 155,508 155,293 151,821 151,412 150,936 149,638 147,930 146,909 144,824 141,312 138,732 138,127 135,562 135,522 132,632 127,058 125,871 125,860 124,901 123,160 121,266 121,150 120,821 117,320 116,190 115,717 114,250 113,794 112,685 109,931 108,229 107,147 105,431 104,539 104,468 101,213 100,506 99,991 95,867 88,561 80,903 79,651 79,267 76,416 74,040

GEORGIA BANKING ALMANAC Data as of and for 12 months ended Mar. 31, 2020. This report does not constitute an opinion as to the financial condition of any institution.

PW&Co

 ................
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