Rank the Banks Report North Carolina Second Quarter 2014

Rank the Banks Report – North Carolina Second Quarter 2014

Table of Contents:

1) Bank Listing (page 1-2) 3) Ranking by Net Interest Margin 5) Ranking by Total Overhead (9- 7) Ranking by ROAE (13-14) Company name (5-6) 10) City City City City Total Assets Parent Company Total Assets Total Assets LTM Net Income/ Employee Date Established Yield on Loans Efficiency Ratio (FTE) LTM Net Income Number of Offices Loan Growth Rate Total Employees 13Q2 LTM Net Income Total Employees Cost of Funds Number of Offices 12Q2 LTM Net Income S Corp Deposit Growth Rate Personnel Expense/ Average Assets ROAA Total Assets Loans/ Deposits Occupancy Expense/ Average ROAE ROAA Yield on Investment Security (FTE) Assets ROAE Net Interest Margin Other Expense/ Average Assets Total Overhead/ Average Assets 2) Ranking by Total Assets 4) Ranking by Noninterest Income 6) Ranking by Asset Quality (11- 8) Overall Ranking (15-16) (3-4) (7-8) 12) City City City City Total Assets Leverage Ratio Total Assets Total Assets Net Interest Margin Ranking Tier 1 Risk-based Ratio Net Income Gross Loans Noninterest Income Ranking Total Deposits Service Charges on Deposits/ Loan Loss Reserves/ Gross Loans Total Overhead Ranking Deposits/ Office Average Assets Adj. Loans 30-89 Days PD/ Loans Asset Quality Ranking Assets/ Employees Gain on Sale of Loans/ Average Adj. 90 Days PD/ Loans ROAE Ranking Salary Expense/ Employees Assets Adj. NPLs + Adj OREO/Loans Overall Ranking Total Assets Servicing Fees/ Average Assets Net Chargeoffs/ Average Loans Net Gains on OREO/ Average Assets Asset Quality Composite Total Noninterest Income Noninterest Income/ Average Assets

1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327 (404) 848-1571 (phone) / (404) 848-1574 (fax) Belief Strength Purpose

Rank the Banks Report – North Carolina Second Quarter 2014 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. Cedar Hill National Bank Calculation Notes: All data in this report is bank-level and is as of or for the last twelve months ending June 30, 2014. Asset quality index is based on the sum of: Adjusted Loans 30-89 PD/Loans + Adjusted Loans 90 PD/Loans + Adjusted NPLs + Adjusted OREO/Loans + Net Chargeoffs/Avg Loans. Overall ranking is based on an unweighted average of NIM ranking, Noninterest Income ranking, Total Overhead ranking, Asset Quality rankings and ROAE ranking

1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327 (404) 848-1571 (phone) / (404) 848-1574 (fax) Belief Strength Purpose

Rank the Banks Report – North Carolina Second Quarter 2014 Banks Street Partners Team BSP Services BSP Downloads

Lee Burrows - Mergers and Acquisitions [email protected] - 404-848-8480 Branch Sales and Purchases Southeastern Publicly Traded Data Gary McNorrill - Capital Raising Initiatives [email protected] 704-927-6244 Subordinated Debt Offerings (retail and Southeastern M&A Bank Data Mark Saunders - institutional) [email protected] Failed Bank Acquisitions Quarterly Texas Ratio Analysis 404-848-2686 Jeff Adams - 363 Bankruptcy Transactions [email protected] Strategic Planning Visit http://banksstreetpartners.com/bsp- 404-924-6382 Valuations and Fairness Opinions Will Brackett - downloads/ to access and download all [email protected] Board and Management Consulting 404-848-0890 Financial Modeling Joe Maloney available material [email protected] Disposition of Distressed Assets 404-848-2662 TARP/Preferred Stock and SBLF Matt Kennedy Repayment Plans [email protected] 704-927-6251 Share Repurchase Plans and Modified William Izlar Dutch Auctions [email protected] 404-848-2665

1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327 (404) 848-1571 (phone) / (404) 848-1574 (fax) Belief Strength Purpose N.C. - Bank Listing

Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%)

Alliance Bank & Trust Company Gastonia AB&T Financial Corporation 9/8/2004 4 38 No 169,776 -2.03 -53.15 Aquesta Bank Cornelius Aquesta Financial Holdings, Inc. 8/1/2006 5 65 No 249,143 0.71 7.62 Asheville Savings Bank, SSB Asheville ASB Bancorp, Inc. 4/1/1936 13 162 No 749,994 0.34 2.83 Bank of America, National Association Charlotte Bank of America Corporation 10/17/1904 5,057 154,027 No 1,454,742,000 0.95 7.60 Bank of North Carolina High Point BNC Bancorp 12/3/1991 48 708 No 3,681,776 0.73 7.18 Bank of Oak Ridge Oak Ridge Oak Ridge Financial Services, Inc. 4/10/2000 4 62 No 355,933 0.56 6.13 Bank of the Carolinas Mocksville Bank of the Carolinas Corporation 12/7/1998 8 91 No 427,727 -0.33 -11.66 Belmont Federal Savings and Loan Association Belmont 1/1/1915 1 11 No 99,646 0.47 2.94 Black Mountain Savings Bank, SSB Black Mountain 4/4/1923 1 6 No 36,577 0.28 2.23 BlueHarbor Bank Mooresville 1/8/2008 1 23 No 140,039 0.75 4.85 Branch Banking and Trust Company Winston-Salem BB&T Corporation 1/1/1872 1,841 31,658 No 183,627,331 0.95 8.28 Carolina Bank Greensboro Carolina Bank Holdings, Inc. 11/26/1996 8 195 No 669,530 0.31 3.42 Carolina Premier Bank Charlotte Premara Financial, Inc. 8/29/2007 7 64 No 245,623 0.30 3.24 Carolina Trust Bank Lincolnton 12/8/2000 7 66 No 267,781 0.43 4.98 Coastal Bank & Trust Jacksonville 4/13/2009 2 16 No 62,225 -2.36 -27.60 CommunityOne Bank, National Association Charlotte CommunityOne Bancorp 12/4/1907 51 559 No 2,011,329 0.63 8.69 Cornerstone Bank Wilson CB Financial Corporation 3/15/2000 1 21 No 120,754 0.83 17.02 Farmers & Merchants Bank Salisbury F & M Financial Corporation 7/13/1909 11 127 No 505,834 0.30 2.60 Fidelity Bank Fuquay-Varina Fidelity BancShares (N.C.), Inc. 8/10/1909 61 415 No 1,667,805 0.36 3.33 First Bank Southern Pines First Bancorp 8/23/1935 98 843 No 3,266,298 0.83 6.42 First Carolina Bank Rocky Mount First Carolina Financial Services, Inc. 11/29/2000 3 22 No 98,967 -1.49 -12.23 First Federal Bank Dunn First Federal Financial Corporation 1/1/1958 7 61 No 166,375 0.21 1.70 First Federal Savings Bank of Lincolnton Lincolnton 2/1/1940 4 46 No 340,346 0.62 4.44 First Savings and Loan Association Mebane 1/1/1909 1 6 No 58,359 0.67 3.65 First South Bank Washington First South Bancorp, Inc. 1/1/1902 26 251 No 710,783 0.78 6.26 First-Citizens Bank & Trust Company Raleigh First Citizens BancShares, Inc. 3/1/1898 397 4,637 No 21,730,143 0.56 6.01 Four Oaks Bank & Trust Company Four Oaks Four Oaks Fincorp, Inc. 6/1/1912 13 175 No 832,871 0.57 10.13 Great State Bank Wilkesboro 7/2/2008 2 15 No 92,373 1.03 9.08 Hertford Savings Bank, SSB Hertford 1/1/1923 1 3 No 14,391 0.28 2.04 High Point Bank and Trust Company High Point High Point Bank Corporation 9/1/1905 14 228 No 786,967 0.42 3.66 HomeTrust Bank, N.A. Asheville HomeTrust Bancshares, Inc. 3/1/1926 35 456 No 2,047,849 0.58 3.24 Jackson Savings Bank, SSB Sylva 1/1/1955 2 8 No 34,434 -0.05 -0.30 KS Bank, Inc. Smithfield KS Bancorp, Inc. 4/28/1924 10 85 No 308,387 0.37 3.43 Lifestore Bank (MHC) West Jefferson AsheCo, M.H.C. 1/1/1939 5 76 No 253,533 0.21 2.16 Little Bank, Inc. Kinston 11/9/1998 7 68 No 327,300 0.87 9.21 Live Oak Banking Company Wilmington Live Oak Bancshares, Inc. 5/12/2008 1 168 Yes 501,837 6.23 59.87 Lumbee Guaranty Bank Pembroke 12/22/1971 15 98 No 317,698 0.69 7.03 Macon Bank, Inc. Franklin Macon Bancorp 1/1/1922 12 185 No 819,763 0.12 1.82 Mechanics and Farmers Bank Durham M&F Bancorp, Inc. 8/1/1908 8 67 No 298,773 0.44 3.79 Morganton Savings Bank, S.S.B. Morganton 1/1/1903 1 11 No 80,572 0.34 1.15 Nantahala Bank & Trust Company Franklin 10/4/2004 3 42 No 153,957 -0.35 -7.35 New Republic Savings Bank Roanoke Rapids 12/15/1998 2 16 No 63,643 0.80 7.43 NewBridge Bank Greensboro NewBridge Bancorp 7/5/1949 41 452 No 2,427,272 0.50 5.15 NewDominion Bank Charlotte 1/10/2005 2 50 No 280,888 -0.50 -8.36 North State Bank Raleigh North State Bancorp 6/1/2000 7 144 No 689,796 0.57 6.77 Oldtown Bank Waynesville 9/10/2007 1 16 No 106,474 0.60 6.66

Rank the Banks North Carolina 1 of 16 N.C. - Bank Listing

Number Total Date of Total S Corp Assets ROAA ROAE Company Name City Parent Company Established Offices Employees (Yes/No) ($000) (%) (%)

Paragon Commercial Bank Raleigh Paragon Commercial Corporation 5/4/1999 2 122 No 1,107,316 0.79 7.69 Park Sterling Bank Charlotte Park Sterling Corporation 10/25/2006 53 541 No 2,239,233 0.81 6.25 Peoples Bank Newton Peoples Bancorp of North Carolina, Inc. 1/1/1912 23 295 No 1,045,974 0.86 8.22 Piedmont Federal Savings Bank Winston-Salem 1/1/1903 10 121 No 925,366 0.36 1.54 Premier Commercial Bank Greensboro 5/12/2008 1 48 No 172,502 1.28 13.03 Providence Bank Rocky Mount 3/14/2006 4 31 No 248,338 1.04 9.95 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 1/1/1914 1 15 No 59,029 0.20 1.42 Roanoke Valley Savings Bank, SSB Roanoke Rapids 1/1/1929 1 6 No 39,127 -0.10 -0.40 Roxboro Savings Bank, SSB Roxboro 1/1/1923 2 31 No 213,662 0.92 5.63 Select Bank & Trust Company Dunn Select Bancorp, Inc. 5/24/2000 14 108 No 507,638 0.38 3.05 Sound Banking Company Morehead City 9/4/2001 4 35 No 136,428 0.73 8.65 Southern Bank and Trust Company Mount Olive Southern BancShares (N.C.), Inc. 1/1/1901 67 548 No 2,135,003 0.22 2.45 Square 1 Bank Durham Square 1 Financial, Inc. 8/8/2005 1 243 No 2,744,325 1.24 13.90 Surrey Bank & Trust Mount Airy Surrey Bancorp 7/22/1996 5 68 No 249,418 1.20 8.64 Tarboro Savings Bank, SSB Tarboro 9/22/1906 1 7 No 42,719 0.65 4.70 Taylorsville Savings Bank, SSB Taylorsville 4/1/1921 3 29 No 94,776 0.27 3.47 TrustAtlantic Bank Raleigh TrustAtlantic Financial Corporation 5/22/2000 5 59 No 445,509 0.96 8.78 Union Bank & Trust Company Oxford 4/3/2006 6 65 No 234,391 0.79 6.97 Uwharrie Bank Albemarle Uwharrie Capital Corp 1/26/1984 10 146 No 509,832 0.44 4.74 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest Wake Forest Bancorp, M.H.C. 1/1/1922 1 9 No 114,594 0.71 3.72 Yadkin Bank Statesville Yadkin Financial Corporation 10/16/1968 73 493 No 1,819,827 1.03 8.60

Rank the Banks North Carolina 2 of 16 N.C.- Total Assets

Tier 1 Risk- Total Assets/ Salary Exp/ Total Leverage Ratio based Ratio Deposits Deposits/ Employees Employees Assets Ranking Company Name City (%) (%) ($000) Office ($000) ($000) ($000)

1 Bank of America, National Association Charlotte 9.10 12.56 1,128,233,000 223,103 9,445 118 1,454,742,000 2 Branch Banking and Trust Company Winston-Salem 9.18 11.68 137,818,798 74,861 5,800 92 183,627,331 3 First-Citizens Bank & Trust Company Raleigh 9.28 13.88 18,598,938 46,849 4,686 87 21,730,143 4 Bank of North Carolina High Point 8.43 10.13 3,126,548 65,136 5,200 80 3,681,776 5 First Bank Southern Pines 11.08 15.78 2,760,102 28,164 3,875 66 3,266,298 6 Square 1 Bank Durham 10.18 15.21 2,445,562 2,445,562 11,294 163 2,744,325 7 NewBridge Bank Greensboro 8.68 10.91 1,862,685 45,431 5,370 77 2,427,272 8 Park Sterling Bank Charlotte 9.89 12.93 1,870,869 35,299 4,139 66 2,239,233 9 Southern Bank and Trust Company Mount Olive 8.99 16.35 1,835,368 27,394 3,896 72 2,135,003 10 HomeTrust Bank, N.A. Asheville 13.37 18.29 1,595,060 45,573 4,491 65 2,047,849 11 CommunityOne Bank, National Association Charlotte 7.86 12.02 1,764,271 34,594 3,598 69 2,011,329 12 Yadkin Bank Statesville 11.99 13.79 1,509,877 20,683 3,691 70 1,819,827 13 Fidelity Bank Fuquay-Varina 9.60 15.85 1,477,797 24,226 4,019 66 1,667,805 14 Paragon Commercial Bank Raleigh 9.89 12.63 864,060 432,030 9,076 93 1,107,316 15 Peoples Bank Newton 10.20 14.13 815,482 35,456 3,546 56 1,045,974 16 Piedmont Federal Savings Bank Winston-Salem 23.69 60.48 699,580 69,958 7,648 89 925,366 17 Four Oaks Bank & Trust Company Four Oaks 5.95 10.80 666,863 51,297 4,759 67 832,871 18 Macon Bank, Inc. Franklin 7.16 11.02 713,162 59,430 4,431 63 819,763 19 High Point Bank and Trust Company High Point 11.15 14.84 626,995 44,785 3,452 78 786,967 20 Asheville Savings Bank, SSB Asheville 12.88 21.39 596,381 45,875 4,630 82 749,994 21 First South Bank Washington 10.93 14.87 593,542 22,829 2,832 56 710,783 22 North State Bank Raleigh 8.51 11.57 625,887 89,412 4,790 87 689,796 23 Carolina Bank Greensboro 9.07 10.81 578,230 72,279 3,433 80 669,530 24 Uwharrie Bank Albemarle 10.10 15.16 453,369 45,337 3,492 86 509,832 25 Select Bank & Trust Company Dunn 13.12 18.44 429,962 30,712 4,700 77 507,638 26 Farmers & Merchants Bank Salisbury 11.58 15.41 439,737 39,976 3,983 84 505,834 27 Live Oak Banking Company Wilmington 10.54 14.61 426,868 426,868 2,987 122 501,837 28 TrustAtlantic Bank Raleigh 9.97 12.88 392,412 78,482 7,551 99 445,509 29 Bank of the Carolinas Mocksville 3.43 4.70 367,497 45,937 4,700 70 427,727 30 Bank of Oak Ridge Oak Ridge 9.10 12.05 318,697 79,674 5,741 102 355,933 31 First Federal Savings Bank of Lincolnton Lincolnton 13.99 24.26 271,600 67,900 7,399 93 340,346 32 Little Bank, Inc. Kinston 9.55 12.82 266,381 38,054 4,813 70 327,300 33 Lumbee Guaranty Bank Pembroke 10.23 16.20 277,033 18,469 3,242 59 317,698 34 KS Bank, Inc. Smithfield 10.48 15.70 234,958 23,496 3,628 64 308,387 35 Mechanics and Farmers Bank Durham 11.59 16.57 256,992 32,124 4,459 83 298,773 36 NewDominion Bank Charlotte 6.11 7.44 240,238 120,119 5,618 108 280,888 37 Carolina Trust Bank Lincolnton 8.92 10.51 230,841 32,977 4,057 69 267,781 38 Lifestore Bank (MHC) West Jefferson 10.03 14.21 177,914 35,583 3,336 59 253,533 39 Surrey Bank & Trust Mount Airy 13.53 20.37 203,381 40,676 3,668 56 249,418 40 Aquesta Bank Cornelius 9.54 10.58 185,707 37,141 3,833 83 249,143 41 Providence Bank Rocky Mount 10.50 13.74 211,887 52,972 8,011 85 248,338 42 Carolina Premier Bank Charlotte 8.46 10.29 196,719 28,103 3,838 68 245,623 43 Union Bank & Trust Company Oxford 11.45 14.25 196,749 32,792 3,606 75 234,391 44 Roxboro Savings Bank, SSB Roxboro 17.08 35.24 149,971 74,986 6,892 74 213,662

Rank the Banks North Carolina 3 of 16 N.C.- Total Assets

Tier 1 Risk- Total Assets/ Salary Exp/ Total Leverage Ratio based Ratio Deposits Deposits/ Employees Employees Assets Ranking Company Name City (%) (%) ($000) Office ($000) ($000) ($000)

45 Premier Commercial Bank Greensboro 9.66 14.64 133,312 133,312 3,594 94 172,502 46 Alliance Bank & Trust Company Gastonia 3.33 4.62 144,784 36,196 4,468 77 169,776 47 First Federal Bank Dunn 11.63 22.37 145,125 20,732 2,727 52 166,375 48 Nantahala Bank & Trust Company Franklin 4.80 6.41 132,260 44,087 3,666 56 153,957 49 BlueHarbor Bank Mooresville 14.51 16.36 114,050 114,050 6,089 72 140,039 50 Sound Banking Company Morehead City 8.14 11.21 113,802 28,451 3,898 70 136,428 51 Cornerstone Bank Wilson 5.69 9.10 104,702 104,702 5,750 82 120,754 52 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 19.24 36.66 91,034 91,034 12,733 100 114,594 53 Oldtown Bank Waynesville 8.99 14.29 89,374 89,374 6,655 83 106,474 54 Belmont Federal Savings and Loan Association Belmont 16.75 40.80 82,413 82,413 9,059 115 99,646 55 First Carolina Bank Rocky Mount 9.29 13.51 87,871 29,290 4,499 74 98,967 56 Taylorsville Savings Bank, SSB Taylorsville 8.38 12.73 85,171 28,390 3,268 49 94,776 57 Great State Bank Wilkesboro 11.28 16.48 79,991 39,996 6,158 67 92,373 58 Morganton Savings Bank, S.S.B. Morganton 30.02 43.92 51,159 51,159 7,325 104 80,572 59 New Republic Savings Bank Roanoke Rapids 10.10 15.94 50,478 25,239 3,978 78 63,643 60 Coastal Bank & Trust Jacksonville 10.54 12.39 55,666 27,833 3,889 87 62,225 61 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 14.68 27.14 45,535 45,535 3,935 59 59,029 62 First Savings and Loan Association Mebane 19.55 53.08 46,428 46,428 9,727 151 58,359 63 Tarboro Savings Bank, SSB Tarboro 13.86 26.11 36,838 36,838 6,103 58 42,719 64 Roanoke Valley Savings Bank, SSB Roanoke Rapids 24.59 51.54 28,713 28,713 6,521 64 39,127 65 Black Mountain Savings Bank, SSB Black Mountain 12.54 29.66 31,204 31,204 6,096 99 36,577 66 Jackson Savings Bank, SSB Sylva 18.58 33.71 27,975 13,988 4,304 46 34,434 67 Hertford Savings Bank, SSB Hertford 13.84 28.89 12,412 12,412 4,797 60 14,391

Rank the Banks North Carolina 4 of 16 N.C. - Net Interest Margin

Total Deposit Yield on Net Assets Yield on Loan Growth Cost of Growth Rate Loans/ Investment Interest Ranking Company Name City ($000) Loans (%) Rate (%) Funds (%) (%) Deposits (%) Securities (FTE) (%) Margin

1 Union Bank & Trust Company Oxford 234,391 6.07 8.85 0.51 9.84 96.74 3.24 5.12 2 New Republic Savings Bank Roanoke Rapids 63,643 6.24 7.33 0.76 3.89 106.20 NA 5.05 3 First Bank Southern Pines 3,266,298 5.78 0.25 0.29 -2.24 88.44 2.72 4.90 4 Southern Bank and Trust Company Mount Olive 2,135,003 7.43 5.05 0.27 5.97 64.38 2.13 4.55 5 Carolina Trust Bank Lincolnton 267,781 5.43 3.00 0.82 -0.77 96.40 3.34 4.41 6 Uwharrie Bank Albemarle 509,832 6.49 43.75 0.46 52.61 68.48 2.07 4.37 6 Sound Banking Company Morehead City 136,428 5.13 20.35 0.39 16.40 93.03 3.05 4.37 8 Bank of North Carolina High Point 3,681,776 5.52 28.97 0.81 28.51 86.17 4.96 4.29 9 First South Bank Washington 710,783 5.13 6.01 0.39 -0.01 79.98 3.61 4.17 10 Bank of Oak Ridge Oak Ridge 355,933 4.98 3.00 0.53 2.64 85.25 3.97 4.13 11 Park Sterling Bank Charlotte 2,239,233 5.36 12.50 0.37 16.62 79.11 1.96 4.10 12 BlueHarbor Bank Mooresville 140,039 4.90 9.94 0.54 8.34 100.04 2.63 4.07 12 Aquesta Bank Cornelius 249,143 5.08 21.02 0.57 15.53 78.80 4.00 4.07 14 Surrey Bank & Trust Mount Airy 249,418 5.68 0.30 0.69 6.87 90.68 0.39 4.06 15 Yadkin Bank Statesville 1,819,827 4.95 7.35 0.49 -1.06 95.08 2.69 3.99 16 Lumbee Guaranty Bank Pembroke 317,698 5.87 3.14 0.63 -3.08 67.69 3.38 3.98 16 Farmers & Merchants Bank Salisbury 505,834 4.97 -2.80 0.25 -0.95 88.66 4.85 3.98 18 Carolina Premier Bank Charlotte 245,623 4.99 12.45 0.65 -1.13 97.02 4.02 3.91 19 Square 1 Bank Durham 2,744,325 6.28 27.14 0.03 25.78 47.09 2.70 3.88 19 TrustAtlantic Bank Raleigh 445,509 5.29 10.24 0.75 8.21 82.53 2.90 3.88 21 Coastal Bank & Trust Jacksonville 62,225 5.20 -9.70 0.59 -8.58 85.58 1.92 3.86 22 NewBridge Bank Greensboro 2,427,272 4.35 43.68 0.31 35.75 93.00 3.40 3.83 23 Mechanics and Farmers Bank Durham 298,773 5.56 6.36 0.29 6.41 71.95 1.76 3.82 24 Macon Bank, Inc. Franklin 819,763 5.36 1.15 0.86 5.18 75.63 3.18 3.71 25 Lifestore Bank (MHC) West Jefferson 253,533 5.01 -5.02 0.95 -6.73 104.22 5.57 3.64 25 Tarboro Savings Bank, SSB Tarboro 42,719 5.80 4.43 1.14 2.79 86.96 63.33 3.64 27 Nantahala Bank & Trust Company Franklin 153,957 5.28 -6.43 0.79 -0.15 73.99 2.32 3.61 28 CommunityOne Bank, National Association Charlotte 2,011,329 4.91 6.55 0.48 -2.68 72.08 2.58 3.59 28 Little Bank, Inc. Kinston 327,300 4.91 13.49 0.52 4.93 89.16 1.89 3.59 30 HomeTrust Bank, N.A. Asheville 2,047,849 4.70 28.89 0.43 32.42 93.01 1.59 3.58 30 Select Bank & Trust Company Dunn 507,638 5.83 -6.23 0.96 -7.79 77.65 2.20 3.58 32 First Savings and Loan Association Mebane 58,359 6.72 -0.93 0.96 -6.10 64.44 3.29 3.57 32 Carolina Bank Greensboro 669,530 4.86 8.31 0.53 -0.62 88.89 3.20 3.57 34 Peoples Bank Newton 1,045,974 4.87 3.47 0.47 3.27 77.92 3.37 3.55 34 Morganton Savings Bank, S.S.B. Morganton 80,572 5.41 -7.95 0.68 -6.35 89.97 1.44 3.55 36 KS Bank, Inc. Smithfield 308,387 5.41 7.51 0.94 -2.96 89.06 2.45 3.53 37 Paragon Commercial Bank Raleigh 1,107,316 4.91 8.70 0.93 13.88 92.86 2.86 3.52 37 First Federal Bank Dunn 166,375 5.20 -3.21 0.67 -0.97 79.70 2.29 3.52 39 Taylorsville Savings Bank, SSB Taylorsville 94,776 4.47 14.06 0.42 3.69 82.26 2.17 3.49 39 First-Citizens Bank & Trust Company Raleigh 21,730,143 5.16 3.14 0.23 3.13 72.99 0.83 3.49 41 First Federal Savings Bank of Lincolnton Lincolnton 340,346 4.82 13.39 0.95 2.58 101.26 2.42 3.46 42 Providence Bank Rocky Mount 248,338 5.24 9.22 1.15 25.54 86.11 0.49 3.45 42 Oldtown Bank Waynesville 106,474 5.30 10.69 0.90 9.66 65.75 3.02 3.45 44 NewDominion Bank Charlotte 280,888 4.87 4.79 0.83 -7.67 92.81 1.98 3.42 45 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 59,029 5.60 -4.04 1.12 -2.53 82.73 1.95 3.39 46 North State Bank Raleigh 689,796 4.47 5.93 0.33 1.71 89.96 2.00 3.37 47 Live Oak Banking Company Wilmington 501,837 5.21 32.90 1.13 23.89 86.15 2.04 3.36 48 Great State Bank Wilkesboro 92,373 5.28 18.19 0.72 11.91 73.13 2.08 3.33 49 High Point Bank and Trust Company High Point 786,967 4.64 0.54 0.56 0.88 84.47 3.36 3.29 50 Branch Banking and Trust Company Winston-Salem 183,627,331 4.18 2.39 0.42 0.46 85.71 2.45 3.28

Rank the Banks North Carolina 5 of 16 N.C. - Net Interest Margin

51 Cornerstone Bank Wilson 120,754 5.16 4.60 0.72 -4.18 68.26 2.23 3.14 52 Four Oaks Bank & Trust Company Four Oaks 832,871 5.52 -2.65 0.93 1.33 71.57 1.90 3.10 53 First Carolina Bank Rocky Mount 98,967 4.81 39.60 0.66 32.93 77.99 2.05 3.07 54 Hertford Savings Bank, SSB Hertford 14,391 5.54 -5.01 0.47 -2.77 66.89 0.00 3.06 55 Alliance Bank & Trust Company Gastonia 169,776 4.68 -3.37 0.88 -1.44 82.13 1.35 3.01 56 Belmont Federal Savings and Loan Association Belmont 99,646 4.70 -1.14 0.49 -5.11 70.44 2.67 2.99 57 Jackson Savings Bank, SSB Sylva 34,434 4.05 -2.62 0.63 -6.36 97.61 NA 2.98 58 Fidelity Bank Fuquay-Varina 1,667,805 5.15 3.08 0.17 5.59 57.91 0.75 2.97 59 Black Mountain Savings Bank, SSB Black Mountain 36,577 5.31 0.49 0.79 -0.25 78.00 NA 2.94 60 Roxboro Savings Bank, SSB Roxboro 213,662 4.92 -2.91 0.67 2.71 63.25 2.90 2.91 61 Premier Commercial Bank Greensboro 172,502 4.82 -1.27 0.87 7.94 78.88 2.01 2.87 62 Bank of the Carolinas Mocksville 427,727 4.67 3.69 1.00 0.21 76.04 2.26 2.79 63 Asheville Savings Bank, SSB Asheville 749,994 4.41 11.22 0.61 1.03 79.75 2.01 2.76 64 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 114,594 5.69 -4.61 1.32 -2.19 72.09 0.62 2.60 65 Piedmont Federal Savings Bank Winston-Salem 925,366 4.45 1.40 0.84 -1.45 75.77 1.85 2.58 66 Bank of America, National Association Charlotte 1,454,742,000 3.07 -1.83 0.17 3.42 68.29 2.66 2.54 67 Roanoke Valley Savings Bank, SSB Roanoke Rapids 39,127 4.52 -1.75 0.70 -4.03 63.35 2.55 2.01

Rank the Banks North Carolina 6 of 16 N.C. - Noninterest Income Net Gain on Sale Servicing Net Gains Total NonInterest Total Net Service Charges of Loans/ Avg Fees/ Avg on OREO/ Noninterest Income/ Assets Income on Deposits / Asset Assets Avg Assets Income Avg Assets Ranking Company Name City ($000) ($000) Avg Assets (%) (%) (%) (%) ($000) (%)

1 Live Oak Banking Company Wilmington 501,837 22,640 0.00 9.23 2.33 0.01 54,334 11.62 2 Bank of America, National Association Charlotte 1,454,742,000 14,278,000 0.37 0.03 0.09 0.00 26,715,000 1.87 3 Branch Banking and Trust Company Winston-Salem 183,627,331 1,761,744 0.34 0.08 0.12 -0.01 3,259,716 1.84 4 Premier Commercial Bank Greensboro 172,502 2,413 0.03 1.22 0.00 0.07 2,557 1.55 5 Carolina Bank Greensboro 669,530 2,780 0.10 0.83 0.00 0.00 9,439 1.43 6 Farmers & Merchants Bank Salisbury 505,834 1,602 0.45 0.03 0.04 -0.04 6,583 1.31 7 First South Bank Washington 710,783 5,814 0.33 0.14 0.09 0.05 8,455 1.23 8 Aquesta Bank Cornelius 249,143 1,550 0.26 0.01 0.00 -0.08 2,824 1.22 9 High Point Bank and Trust Company High Point 786,967 2,999 0.12 0.02 0.00 -0.10 9,824 1.20 10 First-Citizens Bank & Trust Company Raleigh 21,730,143 135,335 0.28 0.03 0.00 -0.05 254,205 1.19 11 Surrey Bank & Trust Mount Airy 249,418 2,936 0.34 0.05 0.03 0.01 2,787 1.15 12 Peoples Bank Newton 1,045,974 7,700 0.46 0.00 0.00 -0.05 11,308 1.10 13 Square 1 Bank Durham 2,744,325 27,949 0.18 0.06 0.02 0.00 25,664 1.08 14 Yadkin Bank Statesville 1,819,827 19,104 0.29 0.35 0.11 -0.03 18,912 1.05 15 Uwharrie Bank Albemarle 509,832 1,885 0.31 0.25 0.05 -0.13 5,339 1.03 16 North State Bank Raleigh 689,796 3,339 0.06 0.00 0.00 -0.18 6,396 0.92 17 CommunityOne Bank, National Association Charlotte 2,011,329 6,434 0.34 0.05 0.00 0.00 17,529 0.88 18 Fidelity Bank Fuquay-Varina 1,667,805 5,328 0.34 0.00 0.00 -0.01 13,742 0.86 18 Four Oaks Bank & Trust Company Four Oaks 832,871 2,101 0.21 0.13 0.01 -0.18 7,011 0.86 20 Asheville Savings Bank, SSB Asheville 749,994 1,316 0.24 0.16 0.00 0.03 6,208 0.84 21 Bank of Oak Ridge Oak Ridge 355,933 1,603 0.22 0.00 0.00 0.00 2,897 0.83 22 Lifestore Bank (MHC) West Jefferson 253,533 477 0.32 0.07 0.07 0.02 2,120 0.82 22 NewBridge Bank Greensboro 2,427,272 20,163 0.29 0.05 0.00 0.00 16,549 0.82 22 Sound Banking Company Morehead City 136,428 821 0.23 0.00 0.00 0.10 1,088 0.82 25 Lumbee Guaranty Bank Pembroke 317,698 1,973 0.55 0.00 0.00 -0.02 2,568 0.80 26 Mechanics and Farmers Bank Durham 298,773 807 0.27 0.00 0.00 0.00 2,372 0.79 27 Park Sterling Bank Charlotte 2,239,233 16,160 0.15 0.05 0.00 0.03 14,175 0.71 28 Bank of North Carolina High Point 3,681,776 21,785 0.12 0.14 0.00 -0.10 19,050 0.59 29 KS Bank, Inc. Smithfield 308,387 1,146 0.26 0.00 0.00 -0.04 1,752 0.58 30 HomeTrust Bank, N.A. Asheville 2,047,849 11,095 0.10 0.10 0.00 0.00 8,974 0.55 31 Coastal Bank & Trust Jacksonville 62,225 -2,901 0.05 0.00 0.00 0.00 319 0.51 32 First Bank Southern Pines 3,266,298 25,136 0.42 0.09 0.00 0.04 16,071 0.50 33 First Carolina Bank Rocky Mount 98,967 -963 0.19 0.00 0.00 0.18 420 0.49 34 Nantahala Bank & Trust Company Franklin 153,957 -1,046 0.18 0.21 0.00 -0.17 716 0.47 35 First Federal Bank Dunn 166,375 247 0.21 0.00 0.01 0.02 763 0.46 36 Roxboro Savings Bank, SSB Roxboro 213,662 2,104 0.07 0.06 0.13 -0.03 945 0.45 37 Cornerstone Bank Wilson 120,754 616 0.13 0.00 0.00 -0.05 531 0.44 38 Hertford Savings Bank, SSB Hertford 14,391 87 0.00 0.00 0.00 0.00 62 0.43 39 Little Bank, Inc. Kinston 327,300 2,769 0.25 0.00 0.00 0.01 1,303 0.41 40 Taylorsville Savings Bank, SSB Taylorsville 94,776 301 0.19 0.00 0.00 -0.03 363 0.40 40 Union Bank & Trust Company Oxford 234,391 1,790 0.23 0.00 0.00 0.01 913 0.40 42 BlueHarbor Bank Mooresville 140,039 1,001 0.05 0.00 0.00 0.05 516 0.39 43 Bank of the Carolinas Mocksville 427,727 -3,003 0.14 0.00 0.00 0.00 1,538 0.36 44 Select Bank & Trust Company Dunn 507,638 2,678 0.18 0.00 0.00 -0.08 1,792 0.34 44 Carolina Premier Bank Charlotte 245,623 778 0.05 0.08 0.00 0.00 817 0.34 46 Morganton Savings Bank, S.S.B. Morganton 80,572 272 0.15 0.00 0.00 0.03 216 0.26 47 Providence Bank Rocky Mount 248,338 2,190 0.04 0.00 0.00 -0.02 555 0.25 48 Macon Bank, Inc. Franklin 819,763 1,226 0.15 0.19 0.05 -0.45 1,756 0.22 49 Black Mountain Savings Bank, SSB Black Mountain 36,577 112 0.00 0.00 0.00 0.00 73 0.20

Rank the Banks North Carolina 7 of 16 N.C. - Noninterest Income Net Gain on Sale Servicing Net Gains Total NonInterest Total Net Service Charges of Loans/ Avg Fees/ Avg on OREO/ Noninterest Income/ Assets Income on Deposits / Asset Assets Avg Assets Income Avg Assets Ranking Company Name City ($000) ($000) Avg Assets (%) (%) (%) (%) ($000) (%)

50 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 59,029 135 0.08 0.02 0.16 -0.19 106 0.18 51 Oldtown Bank Waynesville 106,474 567 0.10 0.00 0.00 -0.10 165 0.16 52 Great State Bank Wilkesboro 92,373 714 0.03 0.00 0.00 -0.01 110 0.13 53 Tarboro Savings Bank, SSB Tarboro 42,719 239 0.02 0.02 0.00 0.02 40 0.10 53 New Republic Savings Bank Roanoke Rapids 63,643 637 0.04 0.00 0.26 -0.27 59 0.10 55 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 114,594 728 0.02 0.00 0.00 0.02 97 0.09 56 Belmont Federal Savings and Loan Association Belmont 99,646 494 0.02 0.00 0.00 0.04 82 0.08 57 TrustAtlantic Bank Raleigh 445,509 4,007 0.05 0.00 0.00 -0.11 305 0.07 58 First Federal Savings Bank of Lincolnton Lincolnton 340,346 2,064 0.04 0.00 0.00 -0.04 211 0.06 59 Piedmont Federal Savings Bank Winston-Salem 925,366 3,296 0.01 0.00 0.00 0.00 298 0.03 59 Paragon Commercial Bank Raleigh 1,107,316 6,428 0.02 0.01 0.00 -0.12 280 0.03 61 Roanoke Valley Savings Bank, SSB Roanoke Rapids 39,127 -14 0.00 0.00 0.00 0.00 1 0.00 62 NewDominion Bank Charlotte 280,888 -2,245 0.06 0.00 0.00 -0.30 -106 -0.04 63 Carolina Trust Bank Lincolnton 267,781 -972 0.14 0.00 0.00 -0.42 -128 -0.05 64 Jackson Savings Bank, SSB Sylva 34,434 106 0.00 0.00 0.00 0.01 -40 -0.12 65 First Savings and Loan Association Mebane 58,359 352 0.00 0.00 0.00 -0.01 -78 -0.13 66 Southern Bank and Trust Company Mount Olive 2,135,003 5,590 0.33 0.03 0.03 0.17 -8,973 -0.40 67 Alliance Bank & Trust Company Gastonia 169,776 -5,944 0.20 -0.15 0.00 -0.94 -1,420 -0.85

Rank the Banks North Carolina 8 of 16 N.C. - Total Overhead

Personnel Occupancy Other Total Total Efficiency Number Expense/ Avg. Expense/ Avg. Expense/ Overhead/ Assets Ratio (FTE) Total of Assets Assets Avg. Assets Avg. Assets Ranking Company Name City ($000) (%) Employees Offices (%) (%) (%) (%)

1 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 114,594 51.77 9 1 0.80% 0.09% 0.45% 1.34% 2 Roxboro Savings Bank, SSB Roxboro 213,662 56.29 31 2 1.08% 0.15% 0.67% 1.91% 3 Roanoke Valley Savings Bank, SSB Roanoke Rapids 39,127 109.27 6 1 0.96% 0.13% 0.84% 1.93% 4 Piedmont Federal Savings Bank Winston-Salem 925,366 77.62 121 10 1.17% 0.34% 0.43% 1.94% 5 Providence Bank Rocky Mount 248,338 54.73 31 4 1.20% 0.18% 0.60% 1.98% 6 Paragon Commercial Bank Raleigh 1,107,316 63.42 122 2 1.10% 0.20% 0.78% 2.07% 7 Belmont Federal Savings and Loan Association Belmont 99,646 72.84 11 1 1.23% 0.24% 0.67% 2.14% 8 Great State Bank Wilkesboro 92,373 64.75 15 2 1.15% 0.22% 0.78% 2.15% 9 TrustAtlantic Bank Raleigh 445,509 59.16 59 5 1.37% 0.33% 0.55% 2.25% 10 First Federal Savings Bank of Lincolnton Lincolnton 340,346 67.31 46 4 1.30% 0.30% 0.73% 2.33% 11 Tarboro Savings Bank, SSB Tarboro 42,719 70.66 7 1 0.98% 0.26% 1.11% 2.35% 12 Little Bank, Inc. Kinston 327,300 64.78 68 7 1.51% 0.24% 0.75% 2.50% 13 Square 1 Bank Durham 2,744,325 49.50 243 1 1.66% 0.22% 0.64% 2.52% 14 Oldtown Bank Waynesville 106,474 78.05 16 1 1.30% 0.20% 1.09% 2.60% 15 Morganton Savings Bank, S.S.B. Morganton 80,572 80.34 11 1 1.40% 0.34% 0.87% 2.61% 16 Jackson Savings Bank, SSB Sylva 34,434 96.29 8 2 1.06% 0.16% 1.40% 2.62% 17 BlueHarbor Bank Mooresville 140,039 64.65 23 1 1.25% 0.30% 1.09% 2.64% 18 First Savings and Loan Association Mebane 58,359 79.20 6 1 1.49% 0.14% 1.03% 2.66% 19 Black Mountain Savings Bank, SSB Black Mountain 36,577 86.21 6 1 1.64% 0.14% 0.89% 2.67% 20 Bank of America, National Association Charlotte 1,454,742,000 67.40 154,027 5,057 1.27% 0.35% 1.16% 2.78% 21 Cornerstone Bank Wilson 120,754 84.51 21 1 1.42% 0.18% 1.21% 2.81% 22 Hertford Savings Bank, SSB Hertford 14,391 85.54 3 1 1.24% 0.15% 1.48% 2.88% 23 Fidelity Bank Fuquay-Varina 1,667,805 80.36 415 61 1.71% 0.48% 0.70% 2.89% 24 Surrey Bank & Trust Mount Airy 249,418 59.10 68 5 1.58% 0.26% 1.06% 2.91% 25 First Bank Southern Pines 3,266,298 59.40 843 98 1.74% 0.35% 0.82% 2.91% 26 Macon Bank, Inc. Franklin 819,763 79.47 185 12 1.49% 0.35% 1.07% 2.91% 27 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 59,029 90.12 15 1 1.49% 0.31% 1.19% 2.98% 28 Select Bank & Trust Company Dunn 507,638 81.64 108 14 1.56% 0.30% 1.12% 2.98% 29 Branch Banking and Trust Company Winston-Salem 183,627,331 62.85 31,658 1,841 1.65% 0.38% 0.96% 2.99% 30 Park Sterling Bank Charlotte 2,239,233 71.93 541 53 1.79% 0.40% 0.93% 3.13% 31 Bank of North Carolina High Point 3,681,776 67.10 708 48 1.76% 0.42% 0.95% 3.13% 32 Four Oaks Bank & Trust Company Four Oaks 832,871 85.36 175 13 1.43% 0.31% 1.39% 3.13% 33 Peoples Bank Newton 1,045,974 69.05 295 23 1.61% 0.57% 0.99% 3.17% 34 Taylorsville Savings Bank, SSB Taylorsville 94,776 87.89 29 3 1.56% 0.37% 1.25% 3.17% 35 North State Bank Raleigh 689,796 79.39 144 7 1.80% 0.39% 1.03% 3.22% 36 Carolina Trust Bank Lincolnton 267,781 79.73 66 7 1.71% 0.42% 1.13% 3.26% 37 Yadkin Bank Statesville 1,819,827 67.58 493 73 1.93% 0.42% 0.94% 3.29% 38 Asheville Savings Bank, SSB Asheville 749,994 92.87 162 13 1.80% 0.28% 1.22% 3.30% 39 HomeTrust Bank, N.A. Asheville 2,047,849 83.43 456 35 1.81% 0.35% 1.15% 3.31% 40 Bank of the Carolinas Mocksville 427,727 112.15 91 8 1.50% 0.43% 1.39% 3.32% 41 Lumbee Guaranty Bank Pembroke 317,698 73.35 98 15 1.82% 0.46% 1.11% 3.39% 42 KS Bank, Inc. Smithfield 308,387 85.96 85 10 1.78% 0.39% 1.23% 3.40% 43 New Republic Savings Bank Roanoke Rapids 63,643 69.21 16 2 2.08% 0.26% 1.07% 3.41% 44 NewBridge Bank Greensboro 2,427,272 78.68 452 41 1.73% 0.38% 1.31% 3.42% 45 First Federal Bank Dunn 166,375 90.80 61 7 1.89% 0.40% 1.17% 3.46% 46 Sound Banking Company Morehead City 136,428 72.34 35 4 1.85% 0.33% 1.31% 3.49% 47 Southern Bank and Trust Company Mount Olive 2,135,003 91.72 548 67 1.77% 0.47% 1.26% 3.50% 48 High Point Bank and Trust Company High Point 786,967 80.30 228 14 2.16% 0.37% 0.96% 3.50%

Rank the Banks North Carolina 9 of 16 N.C. - Total Overhead

49 Bank of Oak Ridge Oak Ridge 355,933 73.86 62 4 1.81% 0.49% 1.23% 3.53% 50 Aquesta Bank Cornelius 249,143 73.04 65 5 2.33% 0.36% 0.85% 3.54% 51 Mechanics and Farmers Bank Durham 298,773 82.22 67 8 1.85% 0.41% 1.33% 3.58% 52 First-Citizens Bank & Trust Company Raleigh 21,730,143 81.21 4,637 397 1.88% 0.74% 0.96% 3.58% 53 CommunityOne Bank, National Association Charlotte 2,011,329 85.90 559 51 1.93% 0.46% 1.20% 3.60% 54 Lifestore Bank (MHC) West Jefferson 253,533 85.29 76 5 1.73% 0.42% 1.48% 3.64% 55 Carolina Premier Bank Charlotte 245,623 87.49 64 7 1.83% 0.58% 1.24% 3.65% 56 NewDominion Bank Charlotte 280,888 115.73 50 2 1.95% 0.51% 1.28% 3.74% 57 Farmers & Merchants Bank Salisbury 505,834 74.75 127 11 2.11% 0.42% 1.23% 3.76% 58 Union Bank & Trust Company Oxford 234,391 71.93 65 6 2.12% 0.36% 1.28% 3.76% 59 Nantahala Bank & Trust Company Franklin 153,957 108.69 42 3 1.54% 0.65% 1.59% 3.78% 60 First South Bank Washington 710,783 73.24 251 26 2.06% 0.46% 1.26% 3.79% 61 Carolina Bank Greensboro 669,530 79.81 195 8 2.36% 0.45% 1.02% 3.83% 62 Alliance Bank & Trust Company Gastonia 169,776 198.52 38 4 1.75% 0.22% 1.90% 3.86% 63 Premier Commercial Bank Greensboro 172,502 94.75 48 1 2.72% 0.38% 0.93% 4.03% 64 First Carolina Bank Rocky Mount 98,967 127.23 22 3 1.91% 0.57% 1.68% 4.16% 65 Uwharrie Bank Albemarle 509,832 85.48 146 10 2.43% 0.40% 1.52% 4.35% 66 Coastal Bank & Trust Jacksonville 62,225 109.91 16 2 2.21% 0.67% 1.59% 4.47% 67 Live Oak Banking Company Wilmington 501,837 58.36 168 1 4.37% 0.88% 3.22% 8.48%

Rank the Banks North Carolina 10 of 16 N.C. - Asset Quality

Adj NPLs + Net Total Loan Loss Adj 30- Adj Chargeoffs/ Asset Assets Gross Reserves/ Gross 89PD/ Adj 90+PD/ OREO/Gross Avg Loans Quality Ranking Company Name City ($000) Loans Loans (%) Gross Loans Gross Loans Loans (%) Composite

1 First Savings and Loan Association Mebane 58,359 29,919 0.61 0.05 0.02 0.00 -0.69 -0.61 2 Carolina Premier Bank Charlotte 245,623 190,861 1.26 0.00 0.00 0.01 -0.05 -0.03 3 Tarboro Savings Bank, SSB Tarboro 42,719 32,168 0.26 0.01 0.01 0.01 -0.05 -0.03 4 Premier Commercial Bank Greensboro 172,502 105,327 1.35 0.00 0.00 0.01 -0.04 -0.03 5 Aquesta Bank Cornelius 249,143 146,604 1.60 0.00 0.00 0.02 -0.03 -0.01 6 Black Mountain Savings Bank, SSB Black Mountain 36,577 24,339 0.18 0.00 0.00 0.00 0.00 0.00 7 Providence Bank Rocky Mount 248,338 182,456 1.40 0.00 0.00 0.02 0.02 0.04 8 Piedmont Federal Savings Bank Winston-Salem 925,366 530,054 0.21 0.00 0.00 0.00 0.04 0.04 9 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 114,594 65,627 2.55 0.02 0.00 0.02 0.02 0.06 10 Morganton Savings Bank, S.S.B. Morganton 80,572 46,029 2.46 0.02 0.00 0.06 -0.01 0.06 11 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 59,029 37,742 0.70 0.00 0.00 0.03 0.03 0.07 12 Hertford Savings Bank, SSB Hertford 14,391 8,302 0.98 0.02 0.00 0.05 0.00 0.07 13 First Federal Savings Bank of Lincolnton Lincolnton 340,346 275,012 0.84 0.01 0.00 0.02 0.04 0.08 14 Surrey Bank & Trust Mount Airy 249,418 184,434 1.91 0.01 0.00 0.02 0.05 0.08 15 KS Bank, Inc. Smithfield 308,387 209,248 1.62 0.00 0.00 0.08 0.01 0.09 16 CommunityOne Bank, National Association Charlotte 2,011,329 1,271,630 1.89 0.00 0.02 0.05 0.02 0.09 17 Little Bank, Inc. Kinston 327,300 237,501 1.65 0.00 0.00 0.00 0.09 0.09 18 Bank of the Carolinas Mocksville 427,727 279,437 1.84 0.00 0.00 0.05 0.05 0.10 19 Belmont Federal Savings and Loan Association Belmont 99,646 58,322 0.47 0.01 0.00 0.03 0.07 0.10 20 Roanoke Valley Savings Bank, SSB Roanoke Rapids 39,127 18,221 1.39 0.06 0.00 0.05 0.00 0.11 21 Union Bank & Trust Company Oxford 234,391 190,330 1.24 0.00 0.00 0.03 0.08 0.12 22 Great State Bank Wilkesboro 92,373 58,520 1.31 0.00 0.00 0.01 0.11 0.12 23 Roxboro Savings Bank, SSB Roxboro 213,662 95,200 1.07 0.01 0.01 0.04 0.07 0.13 24 NewDominion Bank Charlotte 280,888 223,400 2.69 0.01 0.00 0.10 0.02 0.13 25 TrustAtlantic Bank Raleigh 445,509 324,362 1.85 0.01 0.00 0.02 0.11 0.13 26 Jackson Savings Bank, SSB Sylva 34,434 27,436 0.29 0.05 0.00 0.03 0.06 0.14 27 Park Sterling Bank Charlotte 2,239,233 1,481,555 0.62 0.00 0.00 0.01 0.12 0.14 28 North State Bank Raleigh 689,796 563,035 1.30 0.00 0.00 0.01 0.13 0.14 29 Asheville Savings Bank, SSB Asheville 749,994 475,618 1.21 0.00 0.00 0.04 0.11 0.15 30 First Federal Bank Dunn 166,375 115,662 1.58 0.00 0.00 0.02 0.14 0.16 31 Southern Bank and Trust Company Mount Olive 2,135,003 1,181,581 1.31 0.00 0.01 0.02 0.13 0.17 32 Cornerstone Bank Wilson 120,754 71,467 3.34 0.01 0.00 0.13 0.03 0.17 33 Select Bank & Trust Company Dunn 507,638 334,496 1.93 0.00 0.00 0.04 0.13 0.17 34 Yadkin Bank Statesville 1,819,827 1,435,565 1.15 0.00 0.00 0.02 0.16 0.18 35 Fidelity Bank Fuquay-Varina 1,667,805 855,750 1.67 0.01 0.00 0.03 0.16 0.19 36 Paragon Commercial Bank Raleigh 1,107,316 802,505 0.87 0.00 0.00 0.02 0.22 0.24 37 Mechanics and Farmers Bank Durham 298,773 184,900 1.87 0.04 0.03 0.14 0.06 0.27 38 Taylorsville Savings Bank, SSB Taylorsville 94,776 70,335 1.80 0.00 0.00 0.06 0.21 0.27 39 HomeTrust Bank, N.A. Asheville 2,047,849 1,483,542 1.57 0.00 0.00 0.05 0.22 0.28 40 Live Oak Banking Company Wilmington 501,837 367,756 0.97 0.02 0.00 0.02 0.25 0.29 41 BlueHarbor Bank Mooresville 140,039 114,098 1.28 0.00 0.00 0.03 0.28 0.31 42 Bank of America, National Association Charlotte 1,454,742,000 770,526,000 1.42 0.01 0.02 0.03 0.26 0.33 43 Peoples Bank Newton 1,045,974 635,384 1.99 0.01 0.00 0.03 0.30 0.34 44 New Republic Savings Bank Roanoke Rapids 63,643 53,609 1.02 0.01 0.00 0.02 0.31 0.34 45 First-Citizens Bank & Trust Company Raleigh 21,730,143 13,575,531 1.52 0.00 0.00 0.02 0.32 0.34 46 NewBridge Bank Greensboro 2,427,272 1,732,283 1.32 0.01 0.00 0.01 0.34 0.36 47 Branch Banking and Trust Company Winston-Salem 183,627,331 118,129,408 1.19 0.01 0.01 0.02 0.33 0.36 48 Sound Banking Company Morehead City 136,428 105,945 1.50 0.01 0.00 0.03 0.38 0.42 49 Carolina Trust Bank Lincolnton 267,781 222,529 1.86 0.01 0.00 0.04 0.39 0.44

Rank the Banks North Carolina 11 of 16 N.C. - Asset Quality

50 Oldtown Bank Waynesville 106,474 58,974 2.51 0.01 0.00 0.06 0.39 0.46 51 First Carolina Bank Rocky Mount 98,967 68,532 0.57 0.00 0.00 0.03 0.44 0.47 52 First South Bank Washington 710,783 474,716 1.67 0.01 0.00 0.04 0.44 0.49 53 Lifestore Bank (MHC) West Jefferson 253,533 185,427 1.54 0.00 0.00 0.06 0.47 0.53 54 Bank of North Carolina High Point 3,681,776 2,694,013 1.12 0.00 0.00 0.03 0.51 0.54 55 Lumbee Guaranty Bank Pembroke 317,698 187,906 1.60 0.00 0.00 0.05 0.52 0.58 56 Nantahala Bank & Trust Company Franklin 153,957 97,864 2.16 0.04 0.00 0.25 0.32 0.62 57 Four Oaks Bank & Trust Company Four Oaks 832,871 477,797 2.29 0.00 0.00 0.08 0.64 0.72 58 Uwharrie Bank Albemarle 509,832 310,473 1.19 0.00 0.00 0.05 0.71 0.76 59 Alliance Bank & Trust Company Gastonia 169,776 118,914 2.28 0.00 0.00 0.10 0.79 0.89 60 Bank of Oak Ridge Oak Ridge 355,933 271,786 1.79 0.00 0.00 0.02 0.87 0.89 61 Square 1 Bank Durham 2,744,325 1,157,123 1.87 0.00 0.00 0.01 0.92 0.93 62 Macon Bank, Inc. Franklin 819,763 541,020 2.14 0.03 0.00 0.07 0.93 1.03 63 High Point Bank and Trust Company High Point 786,967 529,607 1.87 0.00 0.00 0.05 0.99 1.04 64 First Bank Southern Pines 3,266,298 2,441,143 1.88 0.01 0.00 0.04 1.02 1.07 65 Farmers & Merchants Bank Salisbury 505,834 390,738 2.37 0.02 0.00 0.10 1.33 1.45 66 Carolina Bank Greensboro 669,530 514,007 1.40 0.00 0.00 0.05 1.49 1.54 67 Coastal Bank & Trust Jacksonville 62,225 47,720 2.46 0.00 0.00 0.03 5.00 5.03

Rank the Banks North Carolina 12 of 16 N.C. - ROAE

Total LTM Net LTM Net Assets Income ($000)/ Income 13Q2 LTM Net 12Q2 LTM Net ROAA ROAE Ranking Company Name City ($000) Employee ($000) Income ($000) Income ($000) (%) (%)

1 Live Oak Banking Company Wilmington 501,837 173 29,108 18,033 15,310 6.23 59.87 2 Cornerstone Bank Wilson 120,754 48 1,001 -627 -129 0.83 17.02 3 Square 1 Bank Durham 2,744,325 121 29,507 18,161 10,674 1.24 13.90 4 Premier Commercial Bank Greensboro 172,502 44 2,122 782 -220 1.28 13.03 5 Four Oaks Bank & Trust Company Four Oaks 832,871 27 4,644 -6,415 -4,736 0.57 10.13 6 Providence Bank Rocky Mount 248,338 74 2,284 1,756 1,770 1.04 9.95 7 Little Bank, Inc. Kinston 327,300 41 2,758 2,554 2,485 0.87 9.21 8 Great State Bank Wilkesboro 92,373 60 900 590 460 1.03 9.08 9 TrustAtlantic Bank Raleigh 445,509 69 4,060 2,674 4,704 0.96 8.78 10 CommunityOne Bank, National Association Charlotte 2,011,329 22 12,545 -17,252 -73,030 0.63 8.69 11 Sound Banking Company Morehead City 136,428 28 976 776 605 0.73 8.65 12 Surrey Bank & Trust Mount Airy 249,418 43 2,922 3,230 2,061 1.20 8.64 13 Yadkin Bank Statesville 1,819,827 38 18,523 -12,521 21,884 1.03 8.60 14 Branch Banking and Trust Company Winston-Salem 183,627,331 53 1,684,190 1,558,481 1,413,998 0.95 8.28 15 Peoples Bank Newton 1,045,974 30 8,788 6,193 6,723 0.86 8.22 16 Paragon Commercial Bank Raleigh 1,107,316 66 8,059 4,068 3,654 0.79 7.69 17 Aquesta Bank Cornelius 249,143 25 1,644 1,324 -331 0.71 7.62 18 Bank of America, National Association Charlotte 1,454,742,000 89 13,663,000 14,461,882 12,553,786 0.95 7.60 19 New Republic Savings Bank Roanoke Rapids 63,643 30 479 595 503 0.80 7.43 20 Bank of North Carolina High Point 3,681,776 33 23,294 16,890 8,539 0.73 7.18 21 Lumbee Guaranty Bank Pembroke 317,698 22 2,204 2,034 1,846 0.69 7.03 22 Union Bank & Trust Company Oxford 234,391 28 1,812 1,867 1,560 0.79 6.97 23 North State Bank Raleigh 689,796 27 3,923 2,693 2,141 0.57 6.77 24 Oldtown Bank Waynesville 106,474 38 610 41 434 0.60 6.66 25 First Bank Southern Pines 3,266,298 31 26,485 -10,972 3,485 0.83 6.42 26 First South Bank Washington 710,783 21 5,329 -8,303 2,069 0.78 6.26 27 Park Sterling Bank Charlotte 2,239,233 30 16,212 8,781 1,957 0.81 6.25 28 Bank of Oak Ridge Oak Ridge 355,933 32 1,959 -767 -504 0.56 6.13 29 First-Citizens Bank & Trust Company Raleigh 21,730,143 26 118,752 164,918 195,209 0.56 6.01 30 Roxboro Savings Bank, SSB Roxboro 213,662 63 1,943 2,003 2,338 0.92 5.63 31 NewBridge Bank Greensboro 2,427,272 22 10,002 -10,855 4,061 0.50 5.15 32 Carolina Trust Bank Lincolnton 267,781 17 1,140 -2,107 -38 0.43 4.98 33 BlueHarbor Bank Mooresville 140,039 43 988 758 375 0.75 4.85 34 Uwharrie Bank Albemarle 509,832 16 2,283 862 1,511 0.44 4.74 35 Tarboro Savings Bank, SSB Tarboro 42,719 38 267 237 229 0.65 4.70 36 First Federal Savings Bank of Lincolnton Lincolnton 340,346 44 2,044 1,769 1,417 0.62 4.44 37 Mechanics and Farmers Bank Durham 298,773 20 1,321 192 607 0.44 3.79 38 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 114,594 90 809 723 507 0.71 3.72 39 High Point Bank and Trust Company High Point 786,967 15 3,418 2,192 -1,819 0.42 3.66 40 First Savings and Loan Association Mebane 58,359 68 409 319 297 0.67 3.65 41 Taylorsville Savings Bank, SSB Taylorsville 94,776 9 251 341 -957 0.27 3.47 42 KS Bank, Inc. Smithfield 308,387 13 1,110 945 446 0.37 3.43

Rank the Banks North Carolina 13 of 16 N.C. - ROAE

Total LTM Net LTM Net Assets Income ($000)/ Income 13Q2 LTM Net 12Q2 LTM Net ROAA ROAE Ranking Company Name City ($000) Employee ($000) Income ($000) Income ($000) (%) (%)

43 Carolina Bank Greensboro 669,530 11 2,066 7,459 5,571 0.31 3.42 44 Fidelity Bank Fuquay-Varina 1,667,805 14 5,706 4,943 6,345 0.36 3.33 45 HomeTrust Bank, N.A. Asheville 2,047,849 21 9,444 10,123 4,527 0.58 3.24 45 Carolina Premier Bank Charlotte 245,623 11 715 984 849 0.30 3.24 47 Select Bank & Trust Company Dunn 507,638 19 2,033 3,689 4,125 0.38 3.05 48 Belmont Federal Savings and Loan Association Belmont 99,646 44 486 487 594 0.47 2.94 49 Asheville Savings Bank, SSB Asheville 749,994 15 2,491 1,377 168 0.34 2.83 50 Farmers & Merchants Bank Salisbury 505,834 12 1,522 1,795 1,910 0.30 2.60 51 Southern Bank and Trust Company Mount Olive 2,135,003 9 4,940 9,725 40,176 0.22 2.45 52 Black Mountain Savings Bank, SSB Black Mountain 36,577 17 101 199 253 0.28 2.23 53 Lifestore Bank (MHC) West Jefferson 253,533 7 550 516 470 0.21 2.16 54 Hertford Savings Bank, SSB Hertford 14,391 13 40 -28 58 0.28 2.04 55 Macon Bank, Inc. Franklin 819,763 5 951 2,134 -8,420 0.12 1.82 56 First Federal Bank Dunn 166,375 6 343 295 -662 0.21 1.70 57 Piedmont Federal Savings Bank Winston-Salem 925,366 28 3,344 3,563 4,032 0.36 1.54 58 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 59,029 8 122 186 174 0.20 1.42 59 Morganton Savings Bank, S.S.B. Morganton 80,572 25 277 353 -92 0.34 1.15 60 Jackson Savings Bank, SSB Sylva 34,434 -2 -19 46 -38 -0.05 -0.30 61 Roanoke Valley Savings Bank, SSB Roanoke Rapids 39,127 -7 -39 25 49 -0.10 -0.40 62 Nantahala Bank & Trust Company Franklin 153,957 -13 -542 -2,044 -3,346 -0.35 -7.35 63 NewDominion Bank Charlotte 280,888 -28 -1,396 -4,150 -6,718 -0.50 -8.36 64 Bank of the Carolinas Mocksville 427,727 -15 -1,397 -2,125 -17,010 -0.33 -11.66 65 First Carolina Bank Rocky Mount 98,967 -58 -1,271 -116 -4,681 -1.49 -12.23 66 Coastal Bank & Trust Jacksonville 62,225 -93 -1,486 -1,167 140 -2.36 -27.60 67 Alliance Bank & Trust Company Gastonia 169,776 -89 -3,381 -9,856 -1,869 -2.03 -53.15

Rank the Banks North Carolina 14 of 16 N.C. - Overall Ranking

Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Ranking Company Name City ($000) Ranking Ranking Ranking Ranking Ranking Ranking

1 Surrey Bank & Trust Mount Airy 249,418 14 11 24 14 12 15.0 2 Aquesta Bank Cornelius 249,143 12 8 50 5 17 18.4 3 Little Bank, Inc. Kinston 327,300 28 39 12 17 7 20.6 4 Providence Bank Rocky Mount 248,338 42 47 5 7 6 21.4 5 Square 1 Bank Durham 2,744,325 19 13 13 61 3 21.8 6 Yadkin Bank Statesville 1,819,827 15 14 37 34 13 22.6 7 TrustAtlantic Bank Raleigh 445,509 19 57 9 25 9 23.8 8 Park Sterling Bank Charlotte 2,239,233 11 27 30 27 27 24.4 9 CommunityOne Bank, National Association Charlotte 2,011,329 28 17 53 16 10 24.8 10 Tarboro Savings Bank, SSB Tarboro 42,719 25 53 11 3 35 25.4 11 Sound Banking Company Morehead City 136,428 6 22 46 48 11 26.6 12 Premier Commercial Bank Greensboro 172,502 61 4 63 4 4 27.2 13 Peoples Bank Newton 1,045,974 34 12 33 43 15 27.4 14 Great State Bank Wilkesboro 92,373 48 52 8 22 8 27.6 15 Bank of North Carolina High Point 3,681,776 8 28 31 54 20 28.2 16 Union Bank & Trust Company Oxford 234,391 1 40 58 21 22 28.4 17 Branch Banking and Trust Company Winston-Salem 183,627,331 50 3 29 47 14 28.6 17 Cornerstone Bank Wilson 120,754 51 37 21 32 2 28.6 19 BlueHarbor Bank Mooresville 140,039 12 42 17 41 33 29.0 20 Bank of America, National Association Charlotte 1,454,742,000 66 2 20 42 18 29.6 20 North State Bank Raleigh 689,796 46 16 35 28 23 29.6 22 First Bank Southern Pines 3,266,298 3 32 25 64 25 29.8 23 Roxboro Savings Bank, SSB Roxboro 213,662 60 36 2 23 30 30.2 24 First South Bank Washington 710,783 9 7 60 52 26 30.8 24 Paragon Commercial Bank Raleigh 1,107,316 37 59 6 36 16 30.8 26 First Savings and Loan Association Mebane 58,359 32 65 18 1 40 31.2 26 Live Oak Banking Company Wilmington 501,837 47 1 67 40 1 31.2 28 First Federal Savings Bank of Lincolnton Lincolnton 340,346 41 58 10 13 36 31.6 28 Lumbee Guaranty Bank Pembroke 317,698 16 25 41 55 21 31.6 30 New Republic Savings Bank Roanoke Rapids 63,643 2 53 43 44 19 32.2 31 Carolina Premier Bank Charlotte 245,623 18 44 55 2 45 32.8 31 Four Oaks Bank & Trust Company Four Oaks 832,871 52 18 32 57 5 32.8 31 KS Bank, Inc. Smithfield 308,387 36 29 42 15 42 32.8 31 Morganton Savings Bank, S.S.B. Morganton 80,572 34 46 15 10 59 32.8 35 NewBridge Bank Greensboro 2,427,272 22 22 44 46 31 33.0 36 Wake Forest Federal Savings and Loan Association (MHC) Wake Forest 114,594 64 55 1 9 38 33.4 37 Bank of Oak Ridge Oak Ridge 355,933 10 21 49 60 28 33.6 38 Mechanics and Farmers Bank Durham 298,773 23 26 51 37 37 34.8 39 First-Citizens Bank & Trust Company Raleigh 21,730,143 39 10 52 45 29 35.0 40 Fidelity Bank Fuquay-Varina 1,667,805 58 18 23 35 44 35.6

Rank the Banks North Carolina 15 of 16 N.C. - Overall Ranking

Total Net Interest Noninterest Total Asset Assets Margin Income Overhead Quality ROAE Overall Ranking Company Name City ($000) Ranking Ranking Ranking Ranking Ranking Ranking

40 Uwharrie Bank Albemarle 509,832 6 15 65 58 34 35.6 42 Hertford Savings Bank, SSB Hertford 14,391 54 38 22 12 54 36.0 43 Oldtown Bank Waynesville 106,474 42 51 14 50 24 36.2 44 Select Bank & Trust Company Dunn 507,638 30 44 28 33 47 36.4 45 HomeTrust Bank, N.A. Asheville 2,047,849 30 30 39 39 45 36.6 46 Black Mountain Savings Bank, SSB Black Mountain 36,577 59 49 19 6 52 37.0 46 Carolina Trust Bank Lincolnton 267,781 5 63 36 49 32 37.0 48 Belmont Federal Savings and Loan Association Belmont 99,646 56 56 7 19 48 37.2 49 Roanoke Rapids Savings Bank, SSB Roanoke Rapids 59,029 45 50 27 11 58 38.2 50 Taylorsville Savings Bank, SSB Taylorsville 94,776 39 40 34 38 41 38.4 51 Piedmont Federal Savings Bank Winston-Salem 925,366 65 59 4 8 57 38.6 52 Farmers & Merchants Bank Salisbury 505,834 16 6 57 65 50 38.8 53 Asheville Savings Bank, SSB Asheville 749,994 63 20 38 29 49 39.8 53 Southern Bank and Trust Company Mount Olive 2,135,003 4 66 47 31 51 39.8 55 First Federal Bank Dunn 166,375 37 35 45 30 56 40.6 56 Carolina Bank Greensboro 669,530 32 5 61 66 43 41.4 56 Lifestore Bank (MHC) West Jefferson 253,533 25 22 54 53 53 41.4 58 High Point Bank and Trust Company High Point 786,967 49 9 48 63 39 41.6 59 Roanoke Valley Savings Bank, SSB Roanoke Rapids 39,127 67 61 3 20 61 42.4 60 Macon Bank, Inc. Franklin 819,763 24 48 26 62 55 43.0 61 Jackson Savings Bank, SSB Sylva 34,434 57 64 16 26 60 44.6 62 Bank of the Carolinas Mocksville 427,727 62 43 40 18 64 45.4 63 Nantahala Bank & Trust Company Franklin 153,957 27 34 59 56 62 47.6 64 NewDominion Bank Charlotte 280,888 44 62 56 24 63 49.8 65 Coastal Bank & Trust Jacksonville 62,225 21 31 66 67 66 50.2 66 First Carolina Bank Rocky Mount 98,967 53 33 64 51 65 53.2 67 Alliance Bank & Trust Company Gastonia 169,776 55 67 62 59 67 62.0

Rank the Banks North Carolina 16 of 16