First Guaranty Bancshares, Inc. · NASDAQ:FGBI

First Guaranty Bancshares — Investor Presentation (August 2022)

10 slides from First Guaranty Bancshares's investor presentation, Aug 11, 2022

  1. Slide 1: Investor Presentation, Second Quarter 2022

    MARCH 2020 INVESTOR PRESENTATION Financial Data as of: Second Quarter 2022 NASDAQ: FGBI www.fgb.net

  2. Slide 2: Certain Important Information: Caution Regarding Forward Looking Statements

    2 CERTAIN IMPORTANT INFORMATION CAUTION REGARDING FORWARD LOOKING STATEMENTS This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended with respect to the finan

  3. Slide 3: America's Best Banks Ranked 2021 + 2022 Newsweek

    AMERICA’ Ts RANKED 2021 + 2022 Newsweek Newsweek i ll

  4. Slide 4: Financial Highlights

    4 FINANCIAL HIGHLIGHTS  Total assets increased YoY by 7.8% to $2.96 billion  Total loans increased YoY by 11.1% to $2.3 billion  QTD net income of $8.1 million  QTD earnings per common share of $0.70  Return on average assets of 1.11% for 2Q 2022  Return on average common equity of 15.73% for

  5. Slide 5: Continued Success in the Mideast: OH, KY, WV

    5  Accretive to earnings as of 1/31/22 • $64.5 million in loans booked as of 12/31/21 • $171.5 million in loans booked as of 6/30/22 • Growth of $107.0 million CONTINUED SUCCESS IN THE MIDEAST OH KY WV • 2 offices (DPO and LPO) WV, KY • 12 team members

  6. Slide 6: Loan Portfolio

    6 ($000s) 2019Y 2020Y 2021Y 2Q22 Commercial & Industrial 268,256$ 353,028$ 398,391$ $397,233 Non‐Farm Non‐Residential 616,536 824,137 886,407 962,442 Residential Real Estate 313,608 317,168 354,195 415,857 Commercial Leases 70,125 104,141 246,022 237,560 Consumer & Other 38,743 44,642 48,142 48,448

  7. Slide 7: Conservative Credit Culture: Historical Asset Quality

    7 79.33% 119.95% 186.63% 0.00% 20.00% 40.00% 60.00% 80.00% 100.00% 120.00% 140.00% 160.00% 180.00% 200.00% 2020 2021 2022 CONSERVATIVE CREDIT CULTURE Source: Company documents, as of and for the three months ended June 30, 2022 ALLL/NONPERFORMING ASSETS HISTORICAL ASSET QUALITY 1.25% 0.70% 0.43% 0.0

  8. Slide 8: Deposit Portfolio Highlights

    8 HIGHLIGHTS  Weighted average rate was 0.8% for six months ended June 30, 2022.  Noninterest-bearing deposits increased by $28 million to $560.6 million at 6/30/22, representing 21.1% of total deposits, and $77.3 million in growth since 6/30/21  Total time deposits decreased from 22.6% of total

  9. Slide 9: Embracing New Technologies

    9 EMBRACING NEW TECHNOLOGIES Q2 is a leading software provider that has transformed our customers’ digital financial experience. Our Online Banking platform is so much more than just Online Banking, below are some of the additional capabilities that are part of FGB’s Online Banking experience COMING

  10. Slide 10: Bigger | Stronger | More Profitable

    BIGGER | STRONGER | MORE PROFITABLE FIRST GUARANTY BANCSHARES, INC.

First Guaranty Bancshares — Investor Presentation (August 2022) on 6ix