FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Summary Ratios OCC Charter # 0 County: FULTON Summary...

FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Summary Ratios OCC Charter # 0 County: FULTON Summary Ratios--Page 1 9/20/2017 3:48:40 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 Earnings and Profitability BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Percent of Average Assets: Interest Income (TE) 3.35 3.92 15 3.46 3.97 18 3.61 4.00 24 4.10 4.23 40 4.12 4.50 23 - Interest Expense 0.18 0.40 12 0.21 0.43 13 0.23 0.50 11 0.27 0.66 7 0.39 0.90 7 Net Interest Income (TE) 3.17 3.51 25 3.26 3.53 29 3.39 3.49 42 3.84 3.56 69 3.73 3.60 59 + Noninterest Income 1.06 0.76 77 0.94 0.75 71 0.91 0.78 67 0.58 0.78 40 1.02 0.70 75 - Noninterest Expense 3.53 2.86 82 3.50 2.89 80 3.72 2.93 83 3.74 2.93 84 3.95 2.93 89 - Provision: Loan & Lease Losses 0.03 0.10 30 0.02 0.12 27 0.11 0.16 46 0.61 0.30 83 0.99 0.53 81 Pretax Operating Income (TE) 0.68 1.36 12 0.68 1.34 14 0.47 1.25 12 0.08 1.16 11 -0.20 0.89 15 + Realized Gains/Losses Sec 0.11 0.02 93 0.00 0.02 38 0.06 0.02 82 0.17 0.07 82 0.05 0.05 65 Pretax Net Operating Income (TE) 0.78 1.39 15 0.68 1.37 13 0.53 1.27 14 0.25 1.25 10 -0.14 0.95 15 Net Operating Income 0.51 1.04 13 0.49 1.02 12 0.39 0.95 13 0.26 0.92 12 0.11 0.67 17 Adjusted Net Operating Income 0.47 1.06 11 0.27 1.01 8 0.30 0.92 14 0.15 0.90 13 0.05 0.68 20 Net Inc Attrib to Min Ints 0.00 0.00 99 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 Net Income Adjusted Sub S 0.51 0.93 13 0.49 0.91 12 0.39 0.86 14 0.26 0.83 13 0.11 0.60 17 Net Income 0.51 1.04 13 0.49 1.02 12 0.39 0.95 13 0.26 0.92 12 0.11 0.67 17 Margin Analysis: Avg Earning Assets to Avg Assets 92.69 94.03 29 91.80 93.92 21 90.26 93.72 13 90.08 93.25 15 88.63 93.16 9 Avg Int-Bearing Funds to Avg Assets 63.93 75.04 13 66.39 76.15 15 68.19 77.08 16 70.48 78.22 17 71.08 79.79 13 Int Inc (TE) to Avg Earn Assets 3.61 4.18 16 3.77 4.24 21 4.00 4.28 31 4.55 4.55 49 4.65 4.85 36 Int Expense to Avg Earn Assets 0.19 0.42 12 0.22 0.46 13 0.25 0.53 12 0.29 0.71 8 0.44 0.96 8 Net Int Inc-TE to Avg Earn Assets 3.42 3.74 27 3.55 3.77 35 3.75 3.73 52 4.26 3.83 77 4.21 3.88 72 Loan & Lease Analysis: Net Loss to Average Total LN&LS 0.14 0.12 67 0.51 0.18 86 0.43 0.29 73 1.45 0.51 89 2.11 0.80 87 Earnings Coverage of Net Losses (X) 8.47 35.31 28 2.41 27.09 11 2.15 17.78 18 0.70 11.81 11 0.76 7.50 17 LN&LS Allowance to LN&LS Not HFS 1.14 1.37 32 1.20 1.45 33 1.70 1.61 61 1.84 1.77 62 1.98 1.93 60 LN&LS Allowance to Net Losses (X) 7.72 21.61 38 2.46 17.09 13 4.06 12.28 33 1.23 7.42 10 0.96 4.85 9 LN&LS Allowance to Total LN&LS 1.14 1.35 33 1.20 1.44 34 1.70 1.60 62 1.84 1.74 64 1.98 1.90 62 Total LN&LS-90+ Days Past Due 0.00 0.04 45 0.02 0.05 62 0.00 0.06 42 0.00 0.07 40 0.00 0.08 38 -Nonaccrual 1.61 0.78 83 2.18 0.95 87 3.84 1.35 90 5.65 1.91 90 6.49 2.64 87 -Total 1.61 0.87 81 2.20 1.06 85 3.84 1.47 89 5.65 2.06 90 6.49 2.79 86 Liquidity Net Non Core Fund Dep New $250M 3.57 6.44 39 6.97 6.11 53 11.56 5.39 70 12.76 3.44 79 13.89 5.82 73 Net Loans & Leases to Assets 47.65 67.05 11 47.75 65.60 13 47.01 63.84 13 47.42 62.30 14 49.22 62.82 15 Capitalization Tier One Leverage Capital 12.62 10.20 88 10.96 10.08 73 10.60 9.93 70 10.65 9.67 75 10.53 9.40 76 Cash Dividends to Net Income 35.28 37.06 46 34.25 35.32 47 32.30 34.09 49 0.00 32.24 31 0.00 28.25 37 Retained Earnings to Avg Total Equity 2.64 5.22 21 2.71 5.37 23 2.21 4.95 23 2.15 4.50 27 0.94 2.74 25 Rest+Nonac+RE Acq to Eqcap+ALLL 24.10 10.57 87 28.53 12.86 87 42.04 17.53 88 48.25 23.10 85 54.35 31.15 79 Growth Rates Total Assets -1.86 6.34 9 2.02 6.49 31 -2.01 3.21 22 -0.42 5.13 24 2.41 4.09 44 Tier One Capital 12.04 7.71 79 4.25 7.44 30 0.78 6.72 15 2.26 6.48 22 -1.46 5.82 15 Net Loans & Leases -2.07 8.94 6 3.64 9.15 29 -2.86 5.78 17 -4.06 3.64 23 1.79 -0.57 62 Short Term Investments 3.45 19.21 49 97.01 18.94 84 -31.57 -6.26 37 27.95 33.82 58 42.83 36.82 63 Short Term Non Core Funding -19.18 16.75 21 12.49 15.88 56 -23.48 8.78 20 5.84 -2.28 62 -15.11 -48.48 86 Average Total Assets 393,843 403,949 397,768 396,215 390,252 Total Equity Capital 49,692 49,124 46,084 48,834 47,706 Net Income 2,024 1,959 1,548 1,035 434 Number of banks in Peer Group 1,240 1,254 1,221 1,200 1,170 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Income Statement $ OCC Charter # 0 County: FULTON Income Statement $--Page 2 9/20/2017 3:48:42 PM Public Report Percent Change 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 1 Year Interest and Fees on Loans 9,813 9,919 10,487 12,082 11,971 -1.07 Income From Lease Financing 0 0 0 0 0 N/A Tax-Exempt 0 0 0 0 0 N/A Estimated Tax Benefit 0 0 0 0 0 N/A Income on Loans & Leases (TE) 9,813 9,919 10,487 12,082 11,971 -1.07 US Treas & Agency (Excl MBS) 0 0 0 0 0 N/A Mortgage Backed Securities 1,662 1,894 1,598 1,527 1,921 -12.25 Estimated Tax Benefit 428 566 613 718 0 -24.29 All Other Securities 1,155 1,482 1,584 1,856 2,140 -22.06 Tax-Exempt Securities Income 877 1,162 1,270 1,508 1,765 -24.53 Investment Interest Income (TE) 3,245 3,942 3,795 4,101 4,061 -17.67 Interest on Due From Banks 137 122 97 65 62 12.30 Int on Fed Funds Sold & Resales 0 0 0 0 0 N/A Trading Account Income 0 0 0 0 0 N/A Other Interest Income 0 0 0 0 0 N/A Total Interest Income (TE) 13,195 13,983 14,379 16,248 16,094 -5.63 Int on Deposits in Foreign Off N/A N/A N/A N/A N/A N/A Interest on Domestic Deposits 699 834 903 1,051 1,527 -16.19 Int on Fed Funds Purch & Repos 0 0 0 0 0 N/A Int Trad Liab & Oth Borrowings 0 0 1 1 0 N/A Int on Sub Notes & Debentures 0 0 0 0 0 N/A Other Interest Expense N/A N/A N/A N/A N/A N/A Total Interest Expense 699 834 904 1,052 1,527 -16.19 Net Interest Income (TE) 12,496 13,149 13,475 15,196 14,567 -4.96 Non-interest Income 4,182 3,790 3,621 2,317 3,968 10.34 Adjusted Operating Income (TE) 16,678 16,939 17,096 17,513 18,535 -1.54 Non-Interest Expense 13,920 14,126 14,812 14,799 15,418 -1.46 Provision: Loan & Lease Losses 100 75 425 2,400 3,882 33.33 Pretax Operating Income (TE) 2,658 2,738 1,859 314 -765 -2.91 Realized G/L Hld-to-Maturity Sec 0 0 0 0 0 N/A Realized G/L Avail-for Sale Sec 421 0 244 681 201 N/A Pretax Net Operating Inc (TE) 3,079 2,738 2,103 995 -564 12.47 Applicable Income Taxes 627 213 -58 -758 -998 194.37 Current Tax Equiv Adjustment 428 566 613 390 0 -24.29 Other Tax Equiv Adjustments 0 0 0 328 0 N/A Applicable Income Taxes (TE) 1,055 779 555 -39 -998 35.48 Net Operating Income 2,024 1,959 1,548 1,035 434 3.32 Net Discontinued / Extraordinary Items 0 0 0 0 0 N/A Net Inc Noncontrolling Minority Interests 0 0 0 0 0 N/A Net Income 2,024 1,959 1,548 1,035 434 3.32 Cash Dividends Declared 714 671 500 0 0 6.41 Retained Earnings 1,310 1,288 1,048 1,035 434 1.71 Memo: Net International Income N/A N/A N/A N/A N/A N/A Memo: Interest on Time Dep Over $100M 453 548 581 589 715 -17.34 Memo: Interest on Time Dep Over $250M N/A N/A N/A N/A N/A N/A FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Non Int Inc, Exp, Yields OCC Charter # 0 County: FULTON Noninterest Income, Expenses and Yields--Page 3 9/20/2017 3:48:44 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Personnel Expense 1.79 1.60 70 1.68 1.59 61 1.72 1.59 64 1.75 1.56 70 1.88 1.50 82 Occupancy Expense 0.52 0.35 87 0.52 0.36 86 0.53 0.36 86 0.64 0.36 94 0.65 0.37 93 Other Oper Exp (Incl Intangibles) 1.22 0.89 85 1.30 0.92 86 1.47 0.96 88 1.35 0.99 82 1.42 1.04 84 Total Overhead Expense 3.53 2.86 82 3.50 2.89 80 3.72 2.93 83 3.74 2.93 84 3.95 2.93 89 Overhead Less Nonint Inc 2.47 2.05 77 2.56 2.09 79 2.81 2.09 88 3.15 2.09 92 2.93 2.19 87 Other Income & Expense Ratios: Efficiency Ratio 83.46 66.28 90 83.39 66.62 88 86.64 67.62 89 84.50 66.85 87 83.18 67.92 83 Avg Personnel Exp Per Empl($000) 72.80 74.55 54 65.24 72.13 40 66.92 70.45 51 66.07 68.32 53 67.89 65.25 63 Assets Per Employee ($Million) 4.00 4.99 31 3.80 4.86 27 3.80 4.70 32 3.77 4.71 32 3.68 4.62 30 Yield on or Cost of: Total Loan & Leases (TE) 5.17 5.04 61 5.37 5.17 64 5.76 5.34 76 6.17 5.64 81 6.13 5.84 72 Loans in Domestic Offices 5.17 5.02 62 5.37 5.15 66 5.76 5.32 77 6.17 5.62 82 6.13 5.82 73 Real Estate 5.50 4.98 82 5.39 5.11 69 5.78 5.27 81 6.26 5.58 87 6.27 5.76 83 Secured by 1-4 Fam Resi Prop 5.34 5.00 70 5.59 5.11 73 5.30 5.26 54 5.90 5.55 66 5.76 5.76 51 All Other Loans Sec Real Estate 5.55 5.01 82 5.34 5.13 65 5.92 5.31 82 6.34 5.61 87 6.40 5.78 85 Commercial & Industrial 4.42 5.17 20 5.52 5.30 65 7.18 5.46 90 6.40 5.76 77 4.06 5.93 2 Individual 4.67 6.42 16 4.96 6.62 18 5.39 6.86 22 6.02 7.26 26 6.23 7.50 24 Credit Card 8.23 8.52 48 8.34 8.92 48 8.34 9.07 48 8.20 9.11 44 8.15 9.70 42 Agricultural N/A 5.14 N/A N/A 5.24 N/A N/A 5.46 N/A N/A 5.81 N/A N/A 6.03 N/A Loans in Foreign Offices N/A 3.31 N/A N/A 3.33 N/A N/A 4.35 N/A N/A 4.24 N/A N/A 4.62 N/A Total Investment Securities (TE) 2.67 2.47 62 2.92 2.52 70 2.76 2.40 67 3.13 2.71 69 3.25 3.19 54 Total Investment Securities (Book) 2.32 2.13 66 2.50 2.19 72 2.31 2.08 67 2.58 2.38 63 3.25 2.87 71 US Treas & Agency (Excl MBS) N/A 1.62 N/A N/A 1.62 N/A N/A 1.54 N/A N/A 1.74 N/A N/A 2.10 N/A Mortgage Backed Securities 1.89 2.05 39 2.03 2.20 40 1.75 1.99 41 1.94 2.34 34 2.90 3.10 43 All Other Securities 3.42 2.73 78 3.55 2.81 79 3.42 2.89 71 3.53 3.27 61 3.66 3.65 47 Interest-Bearing Bank Balances 0.27 0.35 49 0.24 0.31 36 0.25 0.31 39 0.23 0.30 27 0.26 0.33 52 Federal Funds Sold & Resales 0.00 0.18 22 N/A 0.18 N/A N/A 0.18 N/A N/A 0.17 N/A N/A 0.18 N/A Total Interest Bearing Deposits 0.28 0.48 19 0.31 0.51 20 0.33 0.58 16 0.38 0.76 10 0.55 1.03 10 Transaction accounts 0.21 0.21 59 0.20 0.22 53 0.19 0.23 47 0.16 0.31 33 0.18 0.41 26 Other Savings Deposits 0.11 0.25 16 0.13 0.26 22 0.13 0.28 20 0.20 0.36 26 0.33 0.50 29 Time Deposits 0.45 0.86 6 0.48 0.90 7 0.50 1.02 5 0.52 1.27 2 0.77 1.60 2 Foreign Office Deposits N/A 0.21 N/A N/A 0.20 N/A N/A 0.19 N/A N/A 0.25 N/A N/A 0.23 N/A Federal Funds Purchased & Repos N/A 0.32 N/A N/A 0.34 N/A 0.00 0.41 19 N/A 0.55 N/A N/A 0.61 N/A Other Borrowed Money 0.00 1.50 5 0.00 1.69 5 0.27 2.07 13 0.18 2.56 7 0.00 2.69 6 Subord Notes & Debentures N/A 4.47 N/A N/A 5.01 N/A N/A 4.97 N/A N/A 4.65 N/A N/A 4.86 N/A Other Interest Expense N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A All Interest-Bearing Funds 0.28 0.53 14 0.31 0.57 16 0.33 0.65 13 0.38 0.85 8 0.55 1.13 8 Memo: Time Deps Over $100M 0.49 0.89 9 0.51 0.92 10 0.52 1.03 6 0.50 1.26 2 0.73 1.57 2 Memo: Time Deps Over $250M N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Non-interest Income & Expenses Fiduciary Activities 11 2 5 10 3 Deposit Service Charges 2,730 2,831 3,157 3,219 3,454 Trading, Vent Cap, Securtz Inc 0 0 0 0 0 Inv Banking, Advisory Inc 0 0 0 0 0 Insurance Comm & Fees 0 0 0 0 0 Net Servicing Fees 0 0 0 0 0 Loan & Lse Net Gains/Loss 0 0 0 0 0 Other Net Gains/Losses -185 -615 -672 -3,104 -1,285 Other Non-interest Income 1,626 1,572 1,131 2,192 1,796 Non-interest Income 4,182 3,790 3,621 2,317 3,968 Personnel Expense 7,062 6,785 6,826 6,937 7,332 Occupancy Expense 2,034 2,081 2,127 2,527 2,532 Goodwill Impairment 0 0 0 0 0 Other Intangible Amortiz 472 472 472 472 472 Other Oper Exp(incl Intangibles) 4,352 4,788 5,387 4,863 5,082 Non-Interest Expense 13,920 14,126 14,812 14,799 15,418 Domestic Banking Offices(#) 10 10 10 11 11 Foreign Branches (#) 0 0 0 0 0 Assets Per Domestic Office 38,789 39,523 38,741 35,943 36,096 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Balance Sheet $ OCC Charter # 0 County: FULTON Balance Sheet $--Page 4 9/20/2017 3:48:46 PM Public Report Percent Change 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 1 Quarter 1 Year Assets: Real Estate Loans 137,801 151,631 159,022 161,869 169,888 -2.48 -9.12 Commercial Loans 35,701 27,848 14,259 17,289 16,098 11.92 28.20 Individual Loans 6,802 6,411 6,290 5,896 7,061 3.56 6.10 Agricultural Loans 0 0 0 0 0 N/A N/A Other Loans & Leases 6,859 5,283 5,938 6,162 6,570 -3.68 29.83 LN&LS Allowance 2,124 2,299 3,157 3,509 3,956 -5.52 -7.61 Unearned Income 202 135 234 217 230 2.54 49.63 Net Loans & Leases 184,837 188,739 182,118 187,489 195,431 0.21 -2.07 U.S. Treasury & Agency Securities 79,172 80,309 89,941 78,159 69,231 3.85 -1.42 Municipal Securities 29,457 29,933 35,042 41,220 49,200 3.03 -1.59 Foreign Debt Securities 0 0 0 0 0 N/A N/A All Other Securities 14,629 16,608 16,302 11,842 9,105 15.61 -11.92 Interest-Bearing Bank Balances 30,719 46,003 23,177 34,903 27,869 -23.28 -33.22 Federal Funds Sold & Resales 16,500 0 0 0 0 153.85 N/A Trading Account Assets 0 0 0 0 0 N/A N/A Total Investments 170,477 172,853 164,462 166,124 155,405 3.93 -1.37 Total Earning Assets 355,314 361,592 346,580 353,613 350,836 1.96 -1.74 Nonint Cash & Due From Banks 2,577 2,758 6,340 5,384 5,672 -9.55 -6.56 Premises, Fix Assts, Cap Leases 6,136 6,395 6,589 6,956 7,228 -1.71 -4.05 Other Real Estate Owned 4,463 4,668 7,404 8,195 10,076 14.67 -4.39 Dir & Indir Inv RE Ventures 0 0 0 0 0 N/A N/A Inv in Unconsolidated Subs 0 0 0 0 0 N/A N/A Acceptances & Oth Assets 19,407 19,825 20,497 21,227 23,250 2.06 -2.11 Total Assets 387,897 395,238 387,410 395,375 397,062 1.95 -1.86 Average Assets During Quarter 384,937 399,330 396,586 391,172 386,925 -1.33 -3.60 Liabilities: Demand Deposits 17,711 16,321 15,016 14,906 14,809 16.26 8.52 All Now & ATS Accounts 9,623 18,760 30,711 10,243 9,236 10.12 -48.70 Money Market Deposit Accounts 20,105 17,615 19,250 21,547 19,145 -1.54 14.14 Other savings Deposits 165,412 149,416 130,917 138,292 142,946 1.28 10.71 Time Deps At Or Below Insurance Limit 80,073 93,282 102,524 93,509 101,449 -2.70 -14.16 Less: Fully Insured Brokered Deposits 20,018 24,789 23,869 14,964 17,819 -5.00 -19.25 Core Deposits 272,906 270,605 274,549 263,533 269,766 1.47 0.85 Fully Insured Brokered Deposits 20,018 24,789 23,869 14,964 17,819 -5.00 -19.25 Time Deps Above Insurance Limit 35,969 45,612 38,554 62,300 56,204 1.23 -21.14 Deposits in Foreign Offices N/A N/A N/A N/A N/A N/A N/A Total Deposits 328,893 341,008 336,973 340,797 343,787 1.03 -3.55 Federal Funds Purch & Resale 0 0 0 0 0 N/A N/A Fed Home Loan Bor Mat < 1 Year 0 0 0 0 0 N/A N/A Fed Home Loan Bor Mat > 1 Year 5,235 254 273 292 310 2081.25 1961.02 Oth Borrowing Mat < 1 Year 0 0 0 0 0 N/A N/A Oth Borrowing Mat > 1 Year 0 0 0 0 0 N/A N/A Acceptances & Other Liabilities 4,077 4,853 4,080 5,452 5,259 -14.08 -15.99 Total Liabilities (Incl Mortg) 338,205 346,115 341,326 346,541 349,356 2.32 -2.29 Subordinated Notes & Debentures 0 0 0 0 0 N/A N/A Total Bank Capital & Min Int 49,692 49,124 46,084 48,834 47,706 -0.51 1.16 Total Liabilities & Capital 387,897 395,239 387,410 395,375 397,062 1.95 -1.86 Memoranda: Officers, Shareholder Loans (#) 3 4 6 4 4 Officers, Shareholder Loans ($) 10,687 12,221 14,447 11,952 12,059 -0.77 -12.55 Held-to-Maturity Securities 0 240 240 1,356 3,294 N/A -100.00 Available-for-Sale Securities 123,258 126,610 141,045 129,865 124,242 4.91 -2.65 All Brokered Deposits 20,018 24,789 23,869 14,964 17,819 -5.00 -19.25 LN&LS in Foreign Offices N/A N/A N/A N/A N/A N/A N/A Loans Held for Sale 0 0 0 0 0 N/A N/A Loans not Held for Sale 186,961 191,038 185,275 190,998 199,387 0.14 -2.13 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Balance Sheet % OCC Charter # 0 County: FULTON Balance Sheet Percentage Composition--Page 6 9/20/2017 3:48:49 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Loans Held For Sale 0.00 0.18 43 0.00 0.14 43 0.00 0.22 42 0.00 0.28 42 0.00 0.19 43 Loans Not Held For Sale 48.93 66.20 13 46.82 64.99 12 46.75 63.31 13 49.17 62.78 16 49.96 64.47 14 Less: LN&LS Allowance 0.57 0.92 13 0.71 0.97 23 0.84 1.05 31 0.99 1.13 43 0.97 1.22 37 Net Loans & Leases 48.36 66.17 12 46.11 64.62 12 45.91 62.98 13 48.18 62.60 14 48.99 63.82 13 Interest-Bearing Bank Balances 11.10 4.48 88 10.87 4.52 87 8.65 5.26 77 7.49 5.64 68 6.68 5.13 66 Federal Funds Sold & Resales 1.18 0.31 85 0.00 0.33 49 0.00 0.37 48 0.00 0.52 45 0.00 0.68 39 Trading Account Assets 0.00 0.01 95 0.00 0.01 96 0.00 0.01 96 0.00 0.01 96 0.00 0.01 97 Held-to-Maturity Securities 0.02 0.92 62 0.06 0.92 65 0.18 0.79 68 0.66 0.68 75 0.84 0.71 77 Available-for-Sale Securities 31.05 18.37 81 33.77 19.27 83 34.90 20.06 83 32.75 19.93 80 31.41 18.88 81 Total Earning Assets 91.71 92.92 30 90.82 92.48 24 89.64 92.26 16 89.08 92.00 15 87.92 91.72 12 Nonint Cash & Due From Banks 0.71 1.72 10 1.01 1.90 16 1.41 1.94 29 1.45 1.96 30 1.39 1.82 33 Premises, Fix Assts & Cap Leases 1.61 1.70 48 1.61 1.74 46 1.72 1.75 49 1.78 1.74 53 1.88 1.78 55 Other Real Estate Owned 1.11 0.29 89 1.52 0.40 90 2.00 0.53 89 2.08 0.70 86 2.73 0.82 89 Dir & Indir Inv RE Ventures 0.00 0.01 96 0.00 0.01 95 0.00 0.01 95 0.00 0.01 95 0.00 0.01 95 Inv in Unconsolidated Subs 0.00 0.00 87 0.00 0.00 87 0.00 0.00 87 0.00 0.00 86 0.00 0.00 86 Acceptances & Other Assets 4.87 2.99 88 5.04 3.07 88 5.24 3.09 89 5.61 3.13 91 6.08 3.31 91 Total Non-Earning Assets 8.29 7.08 69 9.18 7.52 75 10.36 7.74 83 10.92 8.00 84 12.08 8.28 87 Total Assets 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 Standby Letters of Credit 0.50 0.30 75 0.51 0.31 74 0.55 0.32 77 0.57 0.34 75 0.61 0.37 75 Liabilities Demand Deposits 4.21 12.52 12 4.05 11.56 14 3.77 10.35 15 3.63 9.21 16 3.52 7.95 18 All NOW & ATS Accounts 2.99 7.50 28 5.12 7.19 48 5.65 6.78 53 2.66 6.23 29 2.52 5.65 30 Money Market Deposit Accounts 5.45 17.99 11 4.66 18.23 9 5.04 18.69 10 4.97 18.36 10 4.82 17.73 10 Other Savings Deposits 41.37 16.76 88 37.95 16.49 85 34.18 16.25 81 36.44 15.35 87 36.65 14.20 92 Time Deps At or Below Insurance Limit 21.85 20.24 59 24.50 21.88 62 25.57 23.57 59 23.92 26.10 42 27.55 29.04 43 Less: Fully Insured Brokered Deposits 5.54 1.93 82 5.97 1.88 84 4.77 1.78 81 4.33 1.89 78 3.96 2.44 72 Core Deposits 70.34 76.87 20 70.30 77.28 19 69.45 77.59 16 67.29 76.89 13 71.09 75.39 28 Fully Insured Brokered Deposits 5.54 1.93 82 5.97 1.88 84 4.77 1.78 81 4.33 1.89 78 3.96 2.44 72 Time Deps Above Insurance Limit 9.97 4.19 92 10.61 4.20 93 11.77 4.22 95 14.14 4.42 96 11.96 4.80 93 Deposits in Foreign Offices N/A 3.73 N/A N/A 5.85 N/A N/A 5.39 N/A N/A 4.99 N/A N/A 6.69 N/A Total Deposits 85.85 84.20 58 86.88 84.50 65 85.98 84.75 54 85.76 84.44 55 87.01 83.92 69 Federal Funds Purch & Repos 0.00 0.83 44 0.00 0.92 43 0.25 1.01 51 0.00 1.07 41 0.00 1.26 38 Total Fed Home Loan Borrowings 0.32 2.76 30 0.07 2.58 27 0.58 2.34 37 0.83 2.53 40 0.08 3.04 23 Total Other Borrowings 0.00 0.01 85 0.00 0.01 85 0.00 0.01 82 0.00 0.01 80 0.00 0.03 67 Memo: Sht Ter N Core Funding 14.31 7.15 87 15.67 6.90 91 16.36 6.76 93 18.20 7.13 94 17.36 9.57 88 Acceptances & Other Liabilities 1.14 0.59 88 1.09 0.58 88 1.23 0.61 90 1.32 0.63 91 1.17 0.63 88 Total Liabilities (Incl Mortg) 87.31 89.42 13 88.04 89.59 19 88.04 89.73 18 87.91 89.65 18 88.26 89.96 19 Subordinated Notes & Debentures 0.00 0.02 97 0.00 0.02 97 0.00 0.02 96 0.00 0.03 96 0.00 0.05 95 Total Bank Capital & Min Int 12.69 10.56 86 11.96 10.39 80 11.96 10.25 81 12.09 10.32 81 11.74 9.99 81 Total Liabilities & Capital 100.00 100.00 99 100.00 100.00 99 100.00 100.00 97 100.00 100.00 96 100.00 100.00 3 Memo: All Brokered Deposits 5.54 2.19 79 5.97 2.06 82 4.77 1.94 79 4.33 2.06 77 3.96 2.64 70 Insured Brokered Deposits 5.54 1.93 82 5.97 1.88 84 4.77 1.78 81 4.33 1.89 78 3.96 2.44 72 Loans HFS as a % Loans 0.00 0.27 42 0.00 0.21 43 0.00 0.35 42 0.00 0.45 42 0.00 0.30 43 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Allowance & Loan Mix-a OCC Charter # 0 County: FULTON Analysis of Credit Allowance and Loan Mix--Page 7 9/20/2017 3:48:51 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 Analysis Ratios BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Loss Provision to Average Assets 0.03 0.10 30 0.02 0.12 27 0.11 0.16 46 0.61 0.30 83 0.99 0.53 81 Recoveries to Prior Credit Loss 24.15 42.28 47 28.62 32.18 60 23.06 23.49 61 5.18 16.11 27 7.41 12.60 43 Net Loss to Average Total LN&LS 0.14 0.12 67 0.51 0.18 86 0.43 0.29 73 1.45 0.51 89 2.11 0.80 87 Gross Loss to Average Total LN&LS 0.32 0.19 77 0.74 0.26 88 0.82 0.39 83 1.57 0.62 87 2.20 0.91 86 Recoveries to Average Total LN&LS 0.17 0.07 84 0.23 0.08 88 0.39 0.09 93 0.11 0.09 68 0.10 0.09 64 LN&LS Allowance to LN&LS Not HFS 1.14 1.37 32 1.20 1.45 33 1.70 1.61 61 1.84 1.77 62 1.98 1.93 60 LN&LS Allowance to Total LN&LS 1.14 1.35 33 1.20 1.44 34 1.70 1.60 62 1.84 1.74 64 1.98 1.90 62 LN&LS Allowance to Net Losses (X) 7.72 21.61 38 2.46 17.09 13 4.06 12.28 33 1.23 7.42 10 0.96 4.85 9 LN&LS Allowance to Nonaccrual LN&LS (X) 0.70 3.83 12 0.55 3.30 9 0.44 2.39 7 0.32 1.76 5 0.31 1.33 6 Earnings Coverage of Net Losses (X) 8.47 35.31 28 2.41 27.09 11 2.15 17.78 18 0.70 11.81 11 0.76 7.50 17 Net Losses by Type of LN&LS Real Estate Loans 0.12 0.07 74 0.54 0.13 90 0.43 0.24 77 1.65 0.44 92 2.17 0.74 88 Construction & Land Development -0.23 0.01 10 3.43 0.11 96 -0.18 0.40 9 2.60 1.06 80 13.62 1.99 96 1-4 Family Construction -2.89 -0.01 1 0.00 0.00 90 -1.65 0.06 2 20.32 0.46 98 10.70 1.36 91 Other Construction & Land -0.16 0.01 11 3.64 0.13 95 0.00 0.42 64 -0.05 1.05 9 14.09 1.92 96 Secured by Farmland N/A 0.00 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.04 N/A N/A 0.05 N/A 1-4 Family Residential Loans 0.76 0.08 96 1.05 0.14 97 1.23 0.22 95 1.50 0.41 90 1.91 0.62 88 Home Equity Loans 2.50 0.04 99 4.63 0.10 99 0.45 0.16 82 6.59 0.30 98 1.59 0.45 86 1-4 Family 1st Lien Loans 0.41 0.07 92 0.82 0.12 95 1.33 0.19 95 0.99 0.33 86 1.95 0.54 89 1-4 Family Jr Lien Loans 8.97 0.11 99 0.75 0.22 83 0.08 0.43 64 4.36 0.82 90 1.50 1.15 70 Multifamily Loans 0.18 0.00 94 0.13 0.01 92 0.43 0.04 91 -0.11 0.16 2 0.29 0.32 80 Non-Farm Non-Residential Mtg -0.08 0.05 8 0.34 0.12 82 0.19 0.19 65 1.86 0.34 93 1.88 0.47 92 Owner Occupied Nonfarm Nonresidential 0.16 0.06 82 0.35 0.11 84 0.18 0.17 69 0.22 0.27 65 0.01 0.37 42 Other Nonfarm Nonresidential -0.37 0.02 3 0.33 0.09 85 0.20 0.16 74 3.69 0.32 96 2.45 0.49 91 RE Loans in Foreign Offices N/A 0.00 N/A N/A 0.04 N/A N/A -19674.94 N/A N/A 0.07 N/A N/A 0.00 N/A Agricultural Loans N/A 0.00 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.01 N/A N/A 0.02 N/A Commercial and Industrial Loans -0.01 0.19 25 -0.15 0.24 12 -0.16 0.33 10 -0.06 0.65 11 1.80 0.98 77 Loans to Individuals 1.85 0.35 95 1.75 0.38 93 1.65 0.44 90 0.96 0.57 76 1.62 0.69 84 Credit Card Plans 3.00 1.23 84 2.36 1.41 76 1.29 1.41 58 1.34 1.62 54 3.68 2.00 78 Auto Loans 0.43 0.11 83 1.04 0.14 91 0.37 0.14 78 -0.71 0.17 5 0.43 0.23 74 Non-Depository, Other & Muni Loans -0.35 0.58 2 -0.34 0.51 2 -0.03 0.43 5 -0.05 0.59 4 0.00 0.53 68 Financial Institution Loans N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A -0.48 N/A N/A -14.97 N/A Loans to Foreign Governments N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Lease Financing N/A 0.01 N/A N/A 0.01 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.00 N/A Leases to Individuals N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A All Other Leases N/A 0.01 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.01 N/A N/A 0.01 N/A Supplemental: Loans to Finance Comml Real Estate N/A 0.69 N/A N/A -0.27 N/A N/A 0.25 N/A N/A 0.00 N/A N/A 0.03 N/A Change: Credit Allowance ($000) Beginning Balance 2,299 3,157 3,509 3,956 4,188 Gross Credit Losses 603 1,358 1,485 3,070 4,301 Memo: Loans HFS Write-down 0 0 0 0 0 Recoveries 328 425 708 223 187 Net Credit Losses 275 933 777 2,847 4,114 Provision: Loan & Lease Losses 100 75 425 2,400 3,882 Other Adjustments 0 0 0 0 0 LN&LS Allowance 2,124 2,299 3,157 3,509 3,956 Average Total Loans & Leases 189,913 184,705 182,027 195,939 195,142 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Allowance & Loan Mix-b OCC Charter # 0 County: FULTON Analysis of Credit Allowance and Loan Mix--Page 7A 9/20/2017 3:48:54 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 Loan Mix, % Average Gross LN&LS BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Real Estate Loans 76.50 76.30 45 83.76 76.12 68 85.78 76.21 75 84.91 76.58 69 87.56 77.02 79 Construction & Development 1.37 6.91 9 1.92 6.68 13 1.49 6.52 11 2.60 6.89 20 2.89 7.95 18 1-4 Family Construction 0.04 2.03 4 0.11 1.82 7 0.16 1.49 10 0.34 1.40 19 0.40 1.52 19 Other Const & Land Development 1.34 4.67 18 1.81 4.63 24 1.33 4.74 19 2.26 5.17 26 2.49 6.08 26 Secured by Farmland 0.00 4.44 14 0.00 4.14 15 0.00 3.90 16 0.00 3.52 16 0.00 3.39 16 1-4 Family Residential 16.62 25.40 28 17.99 24.96 34 18.96 24.72 36 18.48 25.16 34 19.51 24.39 37 Home Equity Loans 0.94 2.74 30 1.12 2.81 32 1.21 3.00 33 1.30 3.24 31 1.54 3.43 33 1-4 Family 1st Lien Loans 15.23 20.90 37 16.29 20.29 42 17.06 19.72 45 16.54 19.70 43 17.18 18.57 48 1-4 Family Jr Lien Loans 0.45 0.91 32 0.58 1.02 36 0.69 1.14 38 0.63 1.31 30 0.78 1.48 33 Multifamily 4.65 3.29 72 7.49 3.25 88 7.08 3.11 87 5.31 3.04 80 4.33 2.94 74 Non-Farm Non-Residential 53.86 31.52 92 56.36 32.49 92 58.25 33.23 94 58.52 33.38 94 60.83 33.71 95 Owner Occupied Non-Farm Non-Residential 29.65 15.34 94 33.18 15.97 96 33.34 16.46 95 30.96 16.57 93 14.22 16.88 38 Other Non-Farm Non-Residential 24.21 15.46 81 23.19 15.73 78 24.92 15.97 80 27.56 16.06 85 46.61 16.15 98 RE Loans in Foreign Offices N/A 2.51 N/A N/A 0.72 N/A N/A 0.39 N/A N/A 0.33 N/A N/A 0.19 N/A Financial Institution Loans 0.00 0.00 93 0.00 0.00 93 0.00 0.00 92 0.00 0.00 93 0.00 0.00 92 Agricultural Loans 0.00 2.69 30 0.00 2.47 31 0.00 2.29 32 0.00 2.09 33 0.00 2.00 33 Commercial & Industrial Loans 16.55 13.33 71 9.78 13.71 34 7.66 13.72 23 8.41 13.66 27 7.59 13.41 22 Loans to Individuals 3.40 3.17 64 3.44 3.23 64 3.28 3.36 61 3.44 3.43 61 3.69 3.51 62 Credit Card Loans 1.29 0.06 98 1.33 0.06 98 1.24 0.06 98 1.06 0.07 97 0.98 0.07 97 Auto Loans 0.74 0.93 56 0.62 0.94 52 0.58 1.00 50 0.72 1.07 54 0.95 1.13 58 Municipal Loans 3.26 0.60 91 2.56 0.59 89 2.63 0.58 88 2.50 0.57 89 0.89 0.59 72 Non-Depository and Other 0.28 0.27 72 0.46 0.28 77 0.66 0.29 81 0.74 0.29 81 0.28 0.28 69 Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Lease Financing Receivables 0.00 0.05 79 0.00 0.04 79 0.00 0.04 78 0.00 0.05 78 0.00 0.05 77 Leases to Individuals 0.00 0.02 97 0.00 0.01 98 0.00 0.01 97 0.00 0.00 97 0.00 0.01 97 All Other Leases 0.00 0.05 80 0.00 0.04 79 0.00 0.04 79 0.00 0.04 78 0.00 0.04 78 Supplemental: Loans to Finance Comml Real Est 0.00 0.10 70 0.00 0.10 71 0.00 0.10 70 0.00 0.10 70 0.00 0.12 69 Foreign Office Loans & Leases 0.00 0.05 99 0.00 0.03 99 0.00 0.03 99 0.00 0.07 98 0.00 0.06 99 Memorandum (% of Avg Tot Loans): Loans & Lease Commitments 19.32 18.49 56 14.28 18.27 33 14.27 17.88 36 12.54 16.65 33 9.21 15.33 23 Officer, Shareholder Loans 5.76 1.52 95 6.51 1.61 96 7.84 1.63 97 6.16 1.67 94 6.16 1.61 95 Officer, Shareholder Loans to Assets 2.76 0.98 88 3.09 1.03 90 3.73 1.01 93 3.02 0.96 91 3.04 1.00 90 Other Real Estate Owned % Assets Construction & Land Development 0.25 0.11 79 0.29 0.16 77 0.60 0.21 82 0.71 0.28 81 0.81 0.35 80 Farmland 0.00 0.00 88 0.00 0.00 87 0.00 0.00 84 0.00 0.00 82 0.00 0.00 81 1-4 Family 0.33 0.04 95 0.30 0.06 91 0.27 0.07 88 0.24 0.11 81 0.40 0.14 85 Multifamily 0.00 0.00 88 0.00 0.00 85 0.00 0.01 81 0.03 0.01 86 0.11 0.01 91 Non-Farm Non-Residential 0.53 0.09 93 0.93 0.13 95 1.13 0.17 95 1.10 0.21 93 1.42 0.23 95 Foreclosed GNMA 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Subtotal 1.11 0.29 89 1.52 0.40 90 2.00 0.53 89 2.08 0.70 86 2.73 0.82 89 Direct and Indirect Inv 0.00 0.01 96 0.00 0.01 95 0.00 0.01 95 0.00 0.01 95 0.00 0.01 95 Total 1.11 0.30 88 1.52 0.41 89 2.00 0.54 89 2.08 0.71 86 2.73 0.88 89 Asset Servicing % Assets Mortgage Servicing w/ Recourse 0.00 0.09 86 0.00 0.09 87 0.00 0.08 87 0.00 0.06 88 0.00 0.05 88 Mortgage Servicing w/o Recourse 0.00 3.74 71 0.00 3.52 72 0.00 3.37 71 0.00 3.21 70 0.00 2.81 71 Other Financial Assets 0.00 0.41 84 0.00 0.38 85 0.00 0.32 85 0.00 0.26 86 0.00 0.28 86 Total 0.00 5.85 59 0.00 5.74 60 0.00 5.41 60 0.00 4.94 60 0.00 4.50 61 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Concentrations of Credit OCC Charter # 0 County: FULTON Analysis of Concentrations of Credit--Page 7B 9/20/2017 3:48:55 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 Loan & Leases as a % of Total Capital BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Real Estate Loans 272.72 474.05 9 333.25 467.44 19 358.35 461.98 25 366.98 470.96 25 391.83 487.46 29 Construction & Development 4.39 44.15 6 6.43 42.55 9 8.17 39.92 12 4.11 41.12 6 12.40 47.29 16 1-4 Family Construction 0.00 12.66 5 0.36 11.28 7 0.55 9.59 9 1.02 8.80 15 2.87 9.07 26 Other Const & Land Development 4.39 29.25 14 6.06 29.23 16 7.63 28.33 21 3.09 30.46 10 9.53 36.14 20 Secured by Farmland 0.00 26.66 15 0.00 24.76 16 0.00 23.37 18 0.00 21.67 17 0.00 21.07 18 1-4 Family Residential 61.54 156.84 15 70.20 154.24 19 78.57 149.99 24 78.27 158.19 21 86.58 160.26 25 Home Equity Loans 3.03 17.56 23 4.33 17.87 28 5.06 18.20 29 5.14 19.92 27 6.68 22.61 29 1-4 Family 1st Lien Loans 57.19 128.61 20 63.46 125.29 25 71.06 119.42 31 70.40 124.58 29 76.85 122.47 33 1-4 Family Jr Lien Loans 1.32 5.50 21 2.40 6.03 31 2.45 6.73 28 2.73 7.77 26 3.05 9.31 24 Multifamily 9.56 21.07 32 26.04 20.59 69 33.20 19.90 78 28.35 19.46 74 20.48 19.94 61 Non-Farm Non-Residential 197.23 195.82 52 230.59 196.94 64 238.42 201.79 66 256.25 205.42 70 272.37 218.02 71 Owner Occupied Non-Farm Non-Residential 104.58 94.56 59 133.12 96.48 74 139.70 99.32 77 142.56 101.45 76 134.87 108.78 69 Other Non-Farm Non-Residential 92.65 97.10 50 97.47 96.43 54 98.72 98.41 53 113.69 100.60 60 137.50 105.86 69 RE Loans in Foreign Offices N/A 12.98 N/A N/A 4.91 N/A N/A 3.11 N/A N/A 2.09 N/A N/A 1.23 N/A Financial Institution Loans 0.00 0.72 95 0.00 0.72 95 0.00 0.00 94 0.00 0.00 94 0.00 0.00 94 Agricultural Loans 0.00 16.08 31 0.00 14.98 32 0.00 13.43 34 0.00 12.31 35 0.00 11.88 34 Commercial & Industrial Loans 70.66 82.24 48 61.20 84.59 39 32.13 83.78 15 39.20 85.48 20 37.13 86.42 16 Loans to Individuals 13.46 18.07 49 14.09 18.44 50 14.17 18.85 49 13.37 19.54 47 16.29 20.58 51 Credit Card Loans 5.10 0.31 97 5.50 0.32 97 5.58 0.37 96 5.06 0.40 96 4.51 0.41 95 Auto Loans 2.94 5.20 49 2.89 5.26 50 2.27 5.42 44 2.62 5.82 45 3.79 6.47 48 Municipal Loans 12.91 3.54 86 10.29 3.44 83 10.87 3.41 84 11.11 3.27 85 11.30 3.47 85 Non-Depository and Other 0.66 1.54 61 1.33 1.65 70 2.51 1.68 76 2.86 1.81 76 3.85 1.73 81 Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Lease Financing Receivables 0.00 0.28 81 0.00 0.25 81 0.00 0.24 80 0.00 0.23 80 0.00 0.27 79 Leases to Individuals 0.00 0.12 98 0.00 0.08 98 0.00 0.06 98 0.00 0.04 98 0.00 0.03 98 All Other Leases 0.00 0.27 81 0.00 0.22 81 0.00 0.22 81 0.00 0.21 80 0.00 0.23 80 Supplemental: Loans to Finance Commercial Real Estate 0.00 0.61 74 0.00 0.62 73 0.00 0.57 73 0.00 0.60 73 0.00 0.72 72 Foreign Office Loans & Leases 0.00 0.31 99 0.00 0.17 99 0.00 0.15 99 0.00 0.31 99 0.00 0.32 99 Commercial Real Estate Loans as a % of Total Capital: Non-owner OCC Commercial Real Estate 106.60 171.86 27 129.94 168.90 36 140.09 167.10 41 146.15 169.15 43 170.37 181.95 49 Total Commercial Real Estate 211.18 271.28 33 263.06 270.15 46 279.79 271.14 53 288.71 274.73 55 305.25 293.94 56 Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development 1.19 7.05 8 1.53 6.85 10 1.96 6.53 15 0.95 6.64 7 2.70 7.33 20 Non-owner OCC Commercial Real Estate 28.81 27.41 55 30.95 27.26 61 33.55 27.33 67 33.75 27.35 68 37.05 28.33 72 Total Commercial Real Estate 57.07 43.52 76 62.65 43.86 85 67.01 44.65 89 66.67 44.74 88 66.38 46.33 86 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA PD, Nonacc & Rest Loans-a OCC Charter # 0 County: FULTON Analysis of Past Due, Nonaccrual & Restructured--Page 8 9/20/2017 3:48:57 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 % of Non-Current LN&LS by Loan Type BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Real Estate LNS-90+ Days P/D 0.00 0.04 58 0.02 0.05 67 0.00 0.05 57 0.00 0.06 55 0.00 0.08 54 -Nonaccrual 2.16 0.76 88 2.73 0.97 88 4.45 1.40 91 6.62 2.13 91 7.54 2.95 87 -Total 2.16 0.84 87 2.76 1.06 88 4.45 1.59 90 6.62 2.28 91 7.54 3.10 87 -30-89 DAYS P/D 2.99 0.50 97 4.58 0.56 98 2.69 0.68 94 3.04 0.87 92 6.75 1.00 99 Const & Land Dev-90+ Days P/D 0.00 0.00 92 0.00 0.00 92 0.00 0.00 92 0.00 0.01 90 0.00 0.02 87 -Nonaccrual 0.00 0.79 57 0.00 1.31 51 0.00 2.71 42 15.28 5.11 84 8.44 7.78 62 -Total 0.00 0.84 55 0.00 1.43 48 0.00 2.90 40 15.28 5.33 83 8.44 8.02 61 -30-89 DAYS P/D 0.00 0.21 64 3.56 0.20 96 13.16 0.26 99 0.00 0.49 56 5.41 0.68 93 1-4 Fam Cons & L Dev-90+ Days P/D N/A 0.14 N/A 0.00 0.23 97 0.00 0.13 98 0.00 0.18 97 0.00 0.25 96 -Nonaccrual N/A 0.06 N/A 0.00 0.11 87 0.00 0.44 82 34.81 1.49 96 19.87 4.21 87 -Total N/A 0.10 N/A 0.00 0.17 86 0.00 0.50 81 34.81 1.67 95 19.87 4.47 86 -30-89 DAYS P/D N/A 0.13 N/A 0.00 0.09 86 18.60 0.10 99 0.00 0.22 84 0.00 0.25 81 Other Const & Land Dev-90+ Days P/D 0.00 0.00 93 0.00 0.00 93 0.00 0.00 93 0.00 0.00 91 0.00 0.01 90 -Nonaccrual 0.00 0.89 62 0.00 1.56 54 0.00 3.08 46 8.81 5.51 71 5.01 8.07 55 -Total 0.00 0.93 59 0.00 1.68 52 0.00 3.30 44 8.81 5.72 71 5.01 8.31 54 -30-89 DAYS P/D 0.00 0.15 70 3.77 0.14 97 12.77 0.21 99 0.00 0.43 61 7.04 0.66 94 Secured by Farmland-90+ Day P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A -Nonaccrual N/A 0.25 N/A N/A 0.35 N/A N/A 0.57 N/A N/A 0.68 N/A N/A 1.01 N/A -Total N/A 0.31 N/A N/A 0.42 N/A N/A 0.69 N/A N/A 0.79 N/A N/A 1.08 N/A -30-89 DAYS P/D N/A 0.16 N/A N/A 0.12 N/A N/A 0.20 N/A N/A 0.21 N/A N/A 0.23 N/A 1-4 Family Mtg-90+ Days P/D 0.00 0.05 64 0.11 0.06 77 0.00 0.07 64 0.00 0.08 62 0.00 0.09 61 -Nonaccrual 4.81 0.75 97 5.63 0.86 97 11.91 1.17 99 11.71 1.45 98 14.59 1.93 98 -Total 4.81 0.85 96 5.74 0.98 96 11.91 1.30 99 11.71 1.62 98 14.59 2.11 97 -30-89 DAYS P/D 8.24 0.78 99 11.69 0.90 99 5.64 0.99 98 7.14 1.19 98 7.03 1.19 98 Home Equity Loans -90+ Days P/D 0.00 0.00 91 0.00 0.00 91 0.00 0.01 90 0.00 0.01 88 0.00 0.01 89 -Nonaccrual 0.72 0.25 82 1.42 0.30 88 4.77 0.44 95 4.50 0.49 95 11.53 0.65 97 -Total 0.72 0.30 80 1.42 0.35 87 4.77 0.49 95 4.50 0.55 95 11.53 0.73 96 -30-89 DAYS P/D 1.31 0.23 90 1.73 0.27 92 0.85 0.34 79 1.54 0.41 87 3.76 0.38 97 1-4 Family 1st Lien Lns-90+ Days P/D 0.00 0.05 68 0.12 0.06 79 0.00 0.07 68 0.00 0.08 66 0.00 0.09 67 -Nonaccrual 4.37 0.76 96 5.31 0.88 96 11.51 1.19 98 12.39 1.53 97 15.20 2.16 97 -Total 4.37 0.87 95 5.43 1.01 95 11.51 1.33 98 12.39 1.72 97 15.20 2.37 96 -30-89 DAYS P/D 8.80 0.82 99 12.59 0.93 99 6.10 1.05 98 7.41 1.25 98 7.59 1.29 98 1-4 Family Jr Lien Lns-90+ Days P/D 0.00 0.01 91 0.00 0.01 90 0.00 0.01 91 0.00 0.02 87 0.00 0.03 86 -Nonaccrual 32.98 0.82 99 21.85 1.02 98 38.40 1.43 99 7.64 1.69 88 5.82 1.96 84 -Total 32.98 0.96 99 21.85 1.16 98 38.40 1.60 99 7.64 1.87 88 5.82 2.20 83 -30-89 DAYS P/D 0.00 0.61 57 5.94 0.79 93 2.30 0.90 80 10.80 1.04 97 0.00 1.14 39 Multifamily Loans-90+ Days P/D 0.00 0.06 98 0.00 0.14 97 0.00 0.09 99 0.00 0.08 98 0.00 0.17 97 -Nonaccrual 0.00 0.07 88 0.81 0.10 91 2.24 0.23 91 0.00 0.63 79 0.00 1.08 75 -Total 0.00 0.08 87 0.81 0.13 90 2.24 0.26 90 0.00 0.70 78 0.00 1.17 74 -30-89 DAYS P/D 0.00 0.02 90 3.06 0.04 96 5.06 0.07 96 0.00 0.09 88 0.00 0.19 84 Non-Farm Non-Res Mtg-90+ Days P/D 0.00 0.01 87 0.00 0.01 86 0.00 0.02 83 0.00 0.03 83 0.00 0.04 80 -Nonaccrual 1.49 0.70 78 2.14 0.91 80 2.45 1.29 75 5.65 1.83 88 5.83 2.33 85 -Total 1.49 0.75 76 2.14 0.98 79 2.45 1.38 74 5.65 1.94 88 5.83 2.44 84 -30-89 DAYS P/D 1.57 0.29 91 2.61 0.36 95 1.02 0.47 79 2.17 0.64 88 7.22 0.69 98 Own Occ Non-Farm Non-Res-90+ Days P/D 0.00 0.00 91 0.00 0.01 90 0.00 0.01 88 0.00 0.01 88 0.00 0.03 85 -Nonaccrual 1.04 0.76 69 1.70 0.94 76 1.67 1.24 69 3.23 1.66 76 3.57 2.00 74 -Total 1.04 0.83 68 1.70 1.00 75 1.67 1.34 67 3.23 1.77 75 3.57 2.11 73 -30-89 DAYS P/D 2.12 0.32 92 2.88 0.36 95 1.69 0.49 86 2.34 0.63 88 2.80 0.71 88 Other Non-Farm Non-Res-90+ Days P/D 0.00 0.00 94 0.00 0.00 93 0.00 0.00 92 0.00 0.01 91 0.00 0.01 90 -Nonaccrual 1.99 0.45 87 2.76 0.67 87 3.55 1.05 84 8.70 1.67 93 8.04 2.33 87 -Total 1.99 0.50 86 2.76 0.74 86 3.55 1.14 83 8.70 1.77 92 8.04 2.46 86 -30-89 DAYS P/D 0.94 0.15 90 2.25 0.23 93 0.09 0.28 64 1.97 0.45 87 11.56 0.48 99 RE Lns in Foreign Offices-90+ Days P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A -Nonaccrual N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.23 N/A N/A 0.00 N/A -Total N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.23 N/A N/A 0.00 N/A -30-89 DAYS P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.22 N/A N/A 0.00 N/A N/A 0.32 N/A Supplemental: LNS Fin Coml RE-90+ Days P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.00 N/A -Nonaccrual N/A 0.02 N/A N/A 0.01 N/A N/A 0.19 N/A N/A 0.93 N/A N/A 0.84 N/A -Total N/A 0.02 N/A N/A 0.01 N/A N/A 0.19 N/A N/A 0.95 N/A N/A 0.84 N/A -30-89 DAYS P/D N/A 0.03 N/A N/A 0.03 N/A N/A 0.14 N/A N/A 0.07 N/A N/A 0.51 N/A Non-Current LN&LS ($000) 90 Days and Over Past Due 0 35 0 0 0 Total Nonaccrual LN&LS 3,015 4,162 7,122 10,802 12,952 Total Non-Current LN&LS 3,015 4,197 7,122 10,802 12,952 LN&LS 30-89 Days Past Due 4,243 7,158 4,436 5,043 11,537 Gtyd LN&LS 90+ Days P/D 0 0 0 0 0 Gtyd LN&LS on Nonaccrual 0 0 0 59 57 Gtyd LN&LS 30-89 Days P/D 0 0 0 0 0 Restructured LN&LS 90+ Days P/D 0 0 0 0 0 Restructured LN&LS Nonaccrual 2,497 2,883 4,482 3,941 4,035 Restructured LN&LS 30-89 Days P/D 0 1,248 466 0 620 Current 1-4 Family Restru LN&LS 1,927 1,533 1,401 1,434 498 Current Other Restructured LN&LS 3,084 3,058 4,309 4,824 3,933 Loans Secured 1-4 RE in Foreclosure 0 110 118 0 0 Other Real Estate Owned 4,463 4,668 7,404 8,195 10,076 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA PD, Nonacc & Rest Loans-b OCC Charter # 0 County: FULTON Analysis of Past Due, Nonaccrual & Restructured--Page 8A 9/20/2017 3:49:00 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 % of Non-Current LN&LS by Loan Type BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Financial Institution LNS-90+ Days P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A -Nonaccrual N/A 0.01 N/A N/A 0.00 N/A N/A 3.03 N/A N/A 1.49 N/A N/A 0.76 N/A -Total N/A 0.01 N/A N/A 0.00 N/A N/A 3.03 N/A N/A 1.49 N/A N/A 0.76 N/A -30-89 DAYS P/D N/A 0.41 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Coml & Indust LNS-90+ Days P/D 0.00 0.02 81 0.00 0.02 81 0.00 0.02 78 0.00 0.03 76 0.00 0.03 74 -Nonaccrual 0.08 0.61 42 0.00 0.66 27 0.01 0.89 26 0.03 1.11 24 0.04 1.58 20 -Total 0.08 0.67 39 0.00 0.72 25 0.01 0.98 23 0.03 1.22 21 0.04 1.69 17 -30-89 DAYS P/D 0.03 0.35 37 0.66 0.35 76 0.00 0.45 27 0.14 0.59 37 0.00 0.63 18 Agricultural LNS-90+ Days P/D N/A 0.13 N/A N/A 0.04 N/A N/A 0.02 N/A N/A 0.00 N/A N/A 0.02 N/A -Nonaccrual N/A 0.03 N/A N/A 0.02 N/A N/A 0.02 N/A N/A 0.04 N/A N/A 0.06 N/A -Total N/A 0.04 N/A N/A 0.02 N/A N/A 0.03 N/A N/A 0.06 N/A N/A 0.08 N/A -30-89 DAYS P/D N/A 0.05 N/A N/A 0.03 N/A N/A 0.05 N/A N/A 0.06 N/A N/A 0.05 N/A Loans to Individuals-90+ Days P/D 0.00 0.04 67 0.00 0.04 68 0.00 0.05 65 0.00 0.05 63 0.00 0.07 60 -Nonaccrual 0.09 0.17 62 0.28 0.17 74 0.72 0.21 85 1.48 0.23 92 1.91 0.31 92 -Total 0.09 0.27 51 0.28 0.28 65 0.72 0.34 80 1.48 0.36 89 1.91 0.46 89 -30-89 DAYS P/D 1.01 0.79 66 0.44 0.78 45 0.57 0.90 47 1.56 0.95 74 0.92 1.04 52 Credit Card Plans-90+ Days P/D 0.00 0.20 64 0.00 0.20 63 0.00 0.24 61 0.00 0.25 62 0.00 0.37 56 -Nonaccrual 0.00 0.00 94 0.00 0.00 93 0.00 0.00 94 0.00 0.00 93 0.00 0.00 94 -Total 0.00 0.25 60 0.00 0.26 59 0.00 0.31 57 0.00 0.31 58 0.00 0.49 52 -30-89 DAYS P/D 2.68 0.84 87 0.84 0.94 56 0.65 0.83 53 1.97 1.03 76 0.46 1.16 39 Auto Loans 0.00 0.02 84 0.00 0.01 85 0.00 0.02 82 0.00 0.03 78 0.00 0.04 78 -Nonaccrual 0.27 0.13 79 1.14 0.14 93 4.07 0.17 97 6.57 0.21 98 8.22 0.24 99 -Total 0.27 0.19 74 1.14 0.19 91 4.07 0.24 97 6.57 0.30 98 8.22 0.34 98 -30-89 DAYS P/D 0.00 0.76 40 0.00 0.78 39 1.88 0.92 77 1.56 0.97 70 2.38 1.14 78 Non-depository, Other and Muni-90+ Days P/D 0.00 0.00 94 0.00 0.00 94 0.00 0.00 94 0.00 0.00 93 0.00 0.00 94 -Nonaccrual 0.00 0.03 90 0.00 0.03 90 0.00 0.07 89 0.00 0.05 89 0.00 0.05 90 -Total 0.00 0.10 85 0.00 0.08 87 0.00 0.20 84 0.00 0.11 84 0.00 0.12 85 -30-89 DAYS P/D 0.55 0.32 83 0.08 0.32 77 2.11 0.31 90 0.08 0.21 76 0.20 0.18 81 Lease Financing-90+ Days P/D N/A 0.03 N/A N/A 0.02 N/A N/A 0.43 N/A N/A 0.43 N/A N/A 0.11 N/A -Nonaccrual N/A 0.01 N/A N/A 0.01 N/A N/A 0.02 N/A N/A 0.02 N/A N/A 0.04 N/A -Total N/A 0.03 N/A N/A 0.02 N/A N/A 0.03 N/A N/A 0.04 N/A N/A 0.05 N/A -30-89 DAYS P/D N/A 0.03 N/A N/A 0.03 N/A N/A 0.02 N/A N/A 0.07 N/A N/A 0.04 N/A Leases to Individuals-90+ Days P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A -Nonaccrual N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A -Total N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A -30-89 DAYS P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A All Other Leases-90+ Days P/D N/A 0.03 N/A N/A 0.03 N/A N/A 0.47 N/A N/A 0.47 N/A N/A 0.13 N/A -Nonaccrual N/A 0.01 N/A N/A 0.00 N/A N/A 0.03 N/A N/A 0.02 N/A N/A 0.04 N/A -Total N/A 0.03 N/A N/A 0.01 N/A N/A 0.04 N/A N/A 0.05 N/A N/A 0.06 N/A -30-89 DAYS P/D N/A 0.03 N/A N/A 0.02 N/A N/A 0.03 N/A N/A 0.08 N/A N/A 0.06 N/A Total LN&LS-90+ Days Past Due 0.00 0.04 45 0.02 0.05 62 0.00 0.06 42 0.00 0.07 40 0.00 0.08 38 -Nonaccrual 1.61 0.78 83 2.18 0.95 87 3.84 1.35 90 5.65 1.91 90 6.49 2.64 87 -Total 1.61 0.87 81 2.20 1.06 85 3.84 1.47 89 5.65 2.06 90 6.49 2.79 86 -30-89 DAYS P/D 2.27 0.52 95 3.74 0.60 98 2.39 0.72 93 2.64 0.90 91 5.78 0.97 99 Other Pertinent Ratios: Non-Cur LN&LS to-LN&LS Allowance 141.95 67.34 85 182.56 75.74 88 225.59 91.96 91 307.84 115.12 93 327.40 139.19 91 -Equity Capital 6.07 5.46 62 8.54 6.50 69 15.45 9.23 79 22.12 12.77 79 27.15 18.54 76 % Total P/D LN&LS-Incl Nonaccrual 3.88 1.48 91 5.94 1.73 95 6.23 2.28 92 8.29 3.07 91 12.27 3.84 93 Non Curr LNS+OREO to LNS+OREO 3.91 1.33 91 4.53 1.69 89 7.54 2.32 93 9.54 3.20 91 10.99 4.21 88 Non-Curr Restruct Debt/Gr LN&LS 1.33 0.17 95 1.51 0.24 93 2.42 0.36 94 2.06 0.50 89 2.02 0.57 86 Curr+Non-Curr Restruct/GR LN&LS 4.01 0.72 96 3.91 0.90 93 5.49 1.19 94 5.33 1.49 91 4.24 1.71 83 Current Restruct LN&LS 2.68 0.49 94 2.40 0.59 90 3.08 0.75 92 3.28 0.91 90 2.22 1.04 79 Loans Sec 1-4 Fam RE in Forclosure as % Total Loans Sec 1-4 Fam RE 0.00 0.12 57 0.34 0.16 77 0.34 0.24 70 0.00 0.30 48 0.00 0.40 44 Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D N/A 0.07 N/A 0.00 0.20 91 N/A 0.10 N/A N/A 0.36 N/A N/A 0.36 N/A Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS 0.00 1.00 82 0.00 1.50 78 0.00 1.09 78 0.55 0.91 80 0.44 0.89 78 Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D 0.00 0.21 89 0.00 0.27 87 0.00 0.40 86 0.00 0.40 85 0.00 0.34 85 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Liquidity & Funding OCC Charter # 0 County: FULTON Liquidity & Funding--Page 10 9/20/2017 3:49:03 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 Percent of Total Deposits BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Individ, Partnerships, and Corp. 70.65 89.92 3 68.67 89.90 3 71.24 90.47 3 71.39 90.78 3 75.84 90.63 5 U.S. Govt, States & Political Sub in U.S. 28.77 8.38 98 30.58 8.19 98 27.99 7.78 98 27.83 7.41 98 23.38 7.45 97 Comml Banks & Other Dep Inst. in U.S. 0.58 0.84 73 0.75 0.92 74 0.76 0.87 76 0.78 0.90 75 0.77 0.90 76 Banks in Foreign Countries 0.00 0.13 98 0.00 0.15 98 0.00 0.07 98 0.00 0.08 98 0.00 0.08 98 Foreign Govts and Official Inst. 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.04 98 Total deposits 100.00 100.00 97 100.00 100.00 1 100.00 100.00 1 100.00 100.00 99 100.00 100.00 99 Domestic Demand Deposits 5.39 15.45 14 4.79 14.45 12 4.46 12.73 14 4.37 11.83 15 4.31 10.15 18 Domestic Other Transaction Accts 2.93 9.12 22 5.50 8.64 44 9.11 8.08 63 3.01 7.69 27 2.69 6.91 26 Domestic Nontransaction Accts 91.69 74.43 89 89.71 75.92 75 86.43 78.30 58 92.62 79.58 86 93.01 82.18 84 Total Domestic Deposits 100.00 99.99 99 100.00 99.92 99 100.00 99.92 99 100.00 99.90 99 100.00 99.90 99 Deposits in Foreign Offices 0.00 0.01 99 0.00 0.08 99 0.00 0.08 99 0.00 0.10 99 0.00 0.10 99 Total Deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 Liquidity/Funding Ratios Net Non Core Fund Dep $250M 3.57 6.44 39 6.97 6.11 53 11.56 5.39 70 12.76 3.44 79 13.89 5.82 73 Core Deposits 70.36 76.78 21 68.47 76.93 17 70.87 77.63 20 66.65 77.53 11 67.94 76.19 17 Short Term Non Core Funding 13.80 7.35 84 16.76 7.07 92 15.20 6.83 91 19.46 6.74 95 18.31 7.65 92 S.T Inv to S.T. Ncore Fund 93.76 134.55 56 73.25 138.48 48 41.83 146.10 31 46.77 178.33 26 38.69 139.62 26 S.T. Asset to S.T. Liabilities 141.01 132.19 61 102.12 124.67 45 84.18 121.34 37 90.70 125.60 37 76.29 108.16 35 Net S.T. Liabilities to Assets -8.66 -2.73 30 -0.52 -2.26 54 3.93 -1.71 64 2.90 -2.94 64 7.10 0.22 67 Net Loans & Leases to Deposits 56.20 80.12 11 55.35 78.31 12 54.05 75.78 12 55.01 73.93 13 56.85 75.07 12 Net LN&LS to Core Deposits 67.73 88.41 18 69.75 86.20 23 66.33 83.05 22 71.14 81.01 30 72.44 83.25 28 Brkr Dep Mat < 1 Yr to Brkr Deps 92.42 54.97 59 93.70 54.40 62 93.74 52.25 61 97.77 55.95 67 98.28 59.26 71 Brokered Deposits to Deposits 6.09 2.74 77 7.27 2.57 81 7.08 2.34 82 4.39 2.27 75 5.18 2.73 75 Listing Service Dep to Deposits 1.99 0.69 83 2.36 0.67 85 2.64 0.63 85 1.94 0.66 84 2.05 0.74 84 List Service and Brkrd Dep to Deps 8.08 3.98 75 9.63 3.76 80 9.72 3.52 81 6.33 3.41 75 7.23 4.10 73 Sec Bor + sec FFP to Tot Bor + FFP 0.00 0.41 88 0.00 0.49 89 0.00 0.78 87 0.00 0.52 88 0.00 0.26 89 Recip Brkrd Dep to Tot Brkrd Dep 100.00 17.76 99 100.00 17.60 99 100.00 17.85 99 100.00 19.60 99 100.00 20.00 99 Total Deposits Individ, Partnerships, and Corp. 232,369 234,170 240,074 243,290 260,733 U.S. Govt, States & Political Sub in U.S. 94,623 104,271 94,332 94,846 80,393 Comml Banks & Other Dep Inst. in U.S. 1,901 2,566 2,566 2,661 2,661 Banks in Foreign Countries 0 0 0 0 0 Foreign Govts and Official Inst. 0 0 0 0 0 Total Deposits 328,893 341,008 336,973 340,797 343,787 Domestic Demand Deposits 17,711 16,321 15,016 14,906 14,809 Domestic Other Transaction Accts 9,623 18,760 30,711 10,243 9,236 Domestic Nontransaction Accts 301,559 305,926 291,245 315,648 319,742 Total Domestic Deposits 328,893 341,008 336,973 340,797 343,787 Deposits in Foreign Offices N/A N/A N/A N/A N/A Total Deposits 328,893 341,008 336,973 340,797 343,787 Other Liquidity/Funding Data Non Core Liabilities $250M 61,222 70,655 62,696 77,556 74,333 Short Term Non Core Funding 53,521 66,224 58,870 76,931 72,687 Core Deposits 272,906 270,605 274,549 263,533 269,766 Time Deps $250M & Under Mat < 1 Yr 46,891 54,156 59,647 60,922 63,749 Time Deps $250M & Under Mat > 1 Yr 33,182 39,126 42,877 32,587 37,700 Time Deps over $250M Mat < 1 Yr 35,020 42,997 36,495 62,300 55,174 Time Deps over $250M Mat > 1 Yr 949 2,615 2,059 0 1,030 Fed Home Loan Bor Mat < 1 Yr 0 0 0 0 0 Fed Home Loan Bor Mat > 1 Yr 5,235 254 273 292 310 Other Borrowing Mat < 1 Year 0 0 0 0 0 Other Borrowing Mat > 1 Year 0 0 0 0 0 Secured Other Borrowings 0 0 0 0 0 Federal Funds Purchased 0 0 0 0 0 Secured Fed Funds Purchased 0 0 0 0 0 Listing Service Deposits 6,544 8,038 8,885 6,608 7,034 Brokered Deposits 20,018 24,789 23,869 14,964 17,819 Reciprocal Brokered Deposits 20,018 24,789 23,869 14,964 17,819 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Liquidity & Inv Portfolio OCC Charter # 0 County: FULTON Liquidity & Investment Portfolio--Page 10A 9/20/2017 3:49:05 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 Percent of Total Assets BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Short Term Investments 12.94 5.89 88 12.27 6.01 85 6.36 6.36 58 9.10 7.87 64 7.08 7.44 56 Marketable Equity Sec (MES) 0.00 0.02 77 0.00 0.02 76 0.00 0.03 74 0.00 0.03 73 0.00 0.02 73 Net LN&LS & SBLC to Assets 48.14 67.44 11 48.27 65.99 13 47.56 64.25 13 47.98 62.74 15 49.82 63.29 16 Pledged Assets 41.49 30.23 74 37.26 30.00 67 32.47 28.92 60 32.77 27.25 65 25.30 27.92 49 Securities Mix % Total Securities US Treas & Govt Agencies 0.00 23.78 13 0.00 24.21 12 0.00 23.97 12 0.00 23.59 12 0.00 24.67 13 Municipal Securities 23.90 27.99 42 23.60 25.94 45 24.80 24.48 48 31.41 23.79 61 38.58 21.29 76 Pass-Through Mtg Backed Secs 22.65 21.06 55 26.54 22.06 58 25.87 22.95 57 19.17 22.76 48 13.77 23.55 38 CMO & REMIC Mtg Backed Secs 41.58 8.28 94 36.77 9.33 91 37.79 9.98 90 40.40 11.28 89 40.51 12.73 86 Commercial Mtg Back Secs 10.25 0.97 92 5.21 0.67 90 4.48 0.44 91 1.59 0.18 90 0.00 0.07 87 Asset Backed Securities 0.00 0.01 92 0.00 0.03 91 0.00 0.06 90 0.00 0.03 91 0.00 0.22 95 Structured Financial Products 0.00 0.18 95 0.00 0.00 94 0.00 0.01 92 0.00 0.01 92 0.00 0.01 91 Other Domestic Debt Secs 1.62 1.39 75 7.89 1.30 89 7.06 1.49 87 7.43 1.43 88 7.14 1.22 90 Foreign Debt Securities 0.00 0.00 94 0.00 0.00 94 0.00 0.00 94 0.00 0.00 93 0.00 0.18 96 Inv Mut Fnd & Oth Mktbl 0.00 0.13 77 0.00 0.13 76 0.00 0.15 74 0.00 0.17 73 0.00 0.13 73 Total 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 Liquidity/Securities Ratios: App (Dep) Hi Risk & Struc/T1 Cap 0.00 -0.01 89 0.00 -0.02 86 0.00 -0.16 92 0.00 0.01 71 0.00 0.02 63 App (Dep) in AFS sec to AFS Sec -0.09 0.44 33 0.81 0.70 57 -1.15 -1.14 43 3.27 2.17 76 3.31 2.05 78 App (Dep) in HTM Sec to HTM Sec N/A 1.15 N/A 1.23 1.55 52 0.00 0.17 53 1.74 2.87 41 2.49 2.64 49 App (Dep) in HTM Sec to Eqy Cap 0.00 0.07 75 0.01 0.11 75 0.00 -0.03 82 0.05 0.18 75 0.18 0.18 80 Pledged Securities to Tot Sec 75.58 40.26 85 68.31 40.90 78 58.03 39.75 69 71.81 42.49 83 67.26 44.86 76 Pledged Loans to Total Loans 36.26 29.23 60 31.73 28.71 54 23.65 27.44 47 18.51 26.06 43 7.37 26.00 27 Loans Held for Sale to Total Loans 0.00 0.24 52 0.00 0.20 51 0.00 0.19 51 0.00 0.55 47 0.00 0.37 49 Short Term Investments 50,183 48,511 24,624 35,982 28,121 Short Term Assets 115,506 99,214 80,934 111,758 90,724 Debt Securities 90+ Days P/D 0 0 0 0 0 Total Non-Current Debt Sec 0 0 0 0 0 Fair Value Structured Notes 0 0 0 0 0 Pledged Securities 93,161 86,654 81,982 94,231 85,776 Pledged Loans & Leases 67,789 60,615 43,825 35,346 14,697 Loans Held for Sale 0 0 0 0 0 FDIC Certificate # 8033 FRB District/ID_RSSD 6 / 680130 CITIZENS TRUST BANK ATLANTA, GA Capital Analysis-a OCC Charter # 0 County: FULTON Capital Analysis--Page 11 9/20/2017 3:49:06 PM Public Report 12/31/2015 12/31/2014 12/31/2013 12/31/2012 12/31/2011 Capital Ratios BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Percent of Bank Equity: Net Loans & Leases (x) 3.72 6.43 8 3.84 6.33 9 3.95 6.41 9 3.84 6.18 11 4.10 6.37 12 Subord Notes & Debentures 0.00 0.26 97 0.00 0.20 98 0.00 0.24 97 0.00 0.31 96 0.00 0.69 95 Long Term Debt 0.00 0.26 97 0.00 0.20 98 0.00 0.24 97 0.00 0.31 96 0.00 0.69 95 Com RE & Related Ventures 214.00 259.35 38 229.03 257.92 42 253.52 268.58 47 251.95 263.06 50 279.94 285.64 53 Percent of Average Bank Equity: Net Income 4.09 9.80 9 4.12 9.81 9 3.27 9.27 10 2.15 8.68 12 0.94 6.29 17 Dividends 1.44 4.05 30 1.41 3.84 33 1.06 3.56 33 0.00 3.47 30 0.00 2.88 35 Retained Earnings 2.64 5.22 21 2.71 5.37 23 2.21 4.95 23 2.15 4.50 27 0.94 2.74 25 Other Capital Ratios: Dividends to Net Operating Income 35.28 37.86 45 34.25 36.30 46 32.30 35.67 47 0.00 35.17 25 0.00 33.98 25 Bank Eq Cap + Min Int to Assets 12.81 10.56 86 12.43 10.54 83 11.90 10.12 82 12.35 10.32 84 12.01 10.14 81 Growth Rates: Total Equity Capital 1.16 6.84 15 6.60 10.60 34 -5.63 1.26 18 2.36 6.44 23 7.36 8.66 47 Equity Growth Less Asst Growth 3.01 0.47 65 4.58 3.99 54 -3.62 -2.33 40 2.79 0.73 60 4.95 3.86 54 Intang Assets % Bank Equity Mortgage Servicing Rights 0.00 0.25 72 0.00 0.25 74 0.00 0.25 74 0.00 0.22 75 0.00 0.17 77 Goodwill 0.73 2.04 63 0.74 1.97 64 0.79 2.02 66 0.74 1.98 66 0.76 2.18 66 Purch Credit Card Relations 0.00 0.08 95 0.00 0.10 95 0.00 0.10 95 0.00 0.06 96 0.00 0.04 96 All Other Intangibles 0.24 0.24 73 1.20 0.25 87 2.30 0.25 93 3.14 0.28 95 4.20 0.32 96 Total Intangibles 0.97 3.16 49 1.94 3.11 57 3.09 3.19 65 3.88 3.07 69 4.96 3.25 72 Tier One Leverage Capital 12.62 10.20 88 10.96 10.08 73 10.60 9.93 70 10.65 9.67 75 10.53 9.40 76 Standardized Capital Ratios (all banks) Com Equity Tier 1 Cap Ratio 20.19 14.26 89 N/A 163.87 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Tier One Capital Ratio 20.19 14.31 89 18.39 14.59 84 17.65 14.57 80 17.30 14.41 80 16.09 13.92 75 Total Capital Ratio 21.08 15.43 88 19.37 15.74 83 18.90 15.75 80 18.55 15.63 80 17.35 15.18 76 Adv App Cap Ratios (exit parallel run) Com Equity Tier 1 Cap Ratio N/A 17.24 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Tier 1 Capital Ratio N/A 17.24 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Total Capital Ratio N/A 17.24 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A End of Period Capital ($000) Perpetual Preferred 0 0 0 0 0 + Common Stock 1,500 1,500 1,500 1,500 1,500 + Surplus 11,387 11,387 11,387 11,387 11,387 + Retained Earnings 36,876 35,566 34,278 33,230 32,195 + Accum Other Comp Income -71 671 -1,081 2,717 2,624 + Other Equity Capital Comp 0 0 0 0 0 Total Bank Equity Capital 49,692 49,124 46,084 48,834 47,706 Minority Interest Cons Subs 0 0 0 0 0 Total Bank Capital & Min Int 49,692 49,124 46,084 48,834 47,706 Subordinated Notes & Debentures 0 0 0 0 0 Changes in Bank Equity ($000) Balance at Beginning of Period 49,123 46,083 48,834 47,706 44,435 + Net Income 2,024 1,959 1,548 1,035 434 + Sales or Purchase of Capital 0 0 0 0 0 + Merger & Absorptions 0 0 0 0 0 + Restate due to Acctg Error&Chg 0 0 0 0 0 + Trans with Parent 0 0 0 0 0 - Dividends 714 671 500 0 0 + Other Comprehensive Income -741 1,752 -3,799 93 2,837 Balance at End of Period 49,692 49,123 46,083 48,834 47,706 Intangible Assets Mortgage Servicing Rights 0 0 0 0 0 + Purch Credit Card Relations. 0 0 0 0 0 + Other Intangibles 118 590 1,062 1,534 2,006 + Goodwill 362 362 362 362 362 Total Intangibles 480 952 1,424 1,896 2,368 Total Assets for Leverage Ratio: Average Total Consolidated Assets 384,937 399,330 396,586 391,172 386,925 Less: Ded from CET1 Cap & add T1C 1,359 N/A N/A N/A N/A Less: Other Deductions 0 N/A N/A N/A N/A Total Assets for Leverage Ratio 383,578 394,078 390,862 386,176 382,057