First Guaranty Bancshares, Inc. · NASDAQ:FGBI

First Guaranty Bancshares — Q4 2022 Earnings Presentation

8 slides from First Guaranty Bancshares's earnings presentation, Feb 16, 2023

  1. Slide 1: Investor Presentation - Financial Data as of Fourth Quarter 2022

    MARCH 2020 INVESTOR PRESENTATION Financial Data as of: Fourth 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 Small Bank

    AMERICA’S LS] * x gale icas |! r | f BANK | 202 c = 2024 L a SMALL BANK 3 warcina row!

  4. Slide 4: Financial Highlights

    4 FINANCIAL HIGHLIGHTS  Total assets increased YoY by 9.5% to $3.2 billion  Total loans increased YoY by 16.7% to $2.5 billion  QTD net income of $5.1 million  QTD earnings per common share of $0.42  Return on average assets of 0.66% for 4Q 2022  Return on average common equity of 8.94% for 4Q

  5. Slide 5: Loan Portfolio

    5 ($000s) 2019Y 2020Y 2021Y 2022Y Commercial & Industrial 268,256$ 353,028$ 398,391$ $385,279 Non‐Farm Non‐Residential 616,536 824,137 886,407 992,929 Residential Real Estate 313,608 317,168 354,195 486,115 Commercial Leases 70,125 104,141 246,022 317,574 Consumer & Other 38,743 44,642 48,142 47,864

  6. Slide 6: Conservative Credit Culture

    6 79.33% 119.95% 158.68% 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 and year ended December 31, 2022 ALLL/NONPERFORMING ASSETS HISTORICAL ASSET QUALITY 1.25% 0.

  7. Slide 7: Deposit Portfolio

    7 Demand ‐ Noninterest 19.2% Demand ‐ Interest53.6% Savings 7.6% Time Deposits 19.6% HIGHLIGHTS  Weighted average rate was 1.2% for year ended December 31, 2022.  Noninterest-bearing Deposits averaged $548 million in the 4th Quarter 2022, representing 20.4% of total deposits.  Total time deposits

  8. Slide 8: Bigger | Stronger | More Profitable

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

First Guaranty Bancshares — Q4 2022 Earnings Presentation on 6ix