Annual Shareholders Meeting

June 30, 2020

Welcome

Business Meeting

Financial & Historical Highlights

New Business

Dividends

Questions & Wrap-up

Welcome

Business Meeting

Financial & Historical Highlights

New Business

Dividends

Questions & Wrap-up

Board of Directors• Coyle Clark• Roy Eckert• Nelson Hatchett• Denny Daniel• Mike Niederhauser• Jeffery Keele

• Mike Rowland• John Roberts• Jim Penland• Tina Rose• Greg Vaughn

ITEMS OF BUSINESS

• Elect Directors of Class III John R. Roberts Sr. Roy N. Eckert Tina M. Rose

• To ratify the Audit Committee’s selection of Maggart & Associate, P.C. as independent auditors

• Other Business

ITEMS OF BUSINESS

· Elect Directors of Class III

John R. Roberts Sr.

Roy N. Eckert

Tina M. Rose

· To ratify the Audit Committee’s selection of Maggart & Associate, P.C. as independent auditors

· Other Business

Chart1

20152015

20162016

20172017

20182018

20192019

TOTAL ASSETS

Total Assets

Growth %

Millions

185.3

0.1438271605

194.6

0.0501888829

211.1

0.0847893114

249.7

0.182851729

277.2

0.1101321586

Loans Chart

20152015

20162016

20172017

20182018

20192019

LOANS

Loans $

Growth %

Millions

[]

[]

[]

136.1

0.0558572537

147.4

0.0830271859

161.7

0.0970149254

203.4

0.2578849722

209.3

0.029006883

Loans

Loans $Growth %

2015$136.15.59%

2016$147.48.30%

2017$161.79.70%

2018$203.425.79%

2019$209.32.90%

2005$5.3

2006$40.5

2007$62.70.00%

2008$83.833.65%

2009$88.70.00%

2010$93.50.00%

2011$93.50.00%

2012$112.4

2013$120.90.00%

2014$128.90.00%

Deposits Chart

20152015

20162016

20172017

20182018

20192019

DEPOSITS

Deposits

Growth %

Millions

161.3

0.1646209386

170.4

0.056416615

185.3

0.0874413146

205.3

0.1079330815

234.3

0.1412566975

Deposits

DepositsGrowth %

2015$161.316.46%6/30/07$49.7

2016$170.45.64%

2017$185.38.74%

2018$205.310.79%

2019$234.314.13%

2005$7.6

2006$38.0

2007$63.1

2008$76.621.39%

2009$93.8

2010$98.8

2011$107.90.00%

2012$119.9

2013$134.60.00%

2014$138.50.00%

Total Assets Chart

20152015

20162016

20172017

20182018

20192019

TOTAL ASSETS

Total Assets

Growth %

Millions

185.3

0.1438271605

194.6

0.0501888829

211.1

0.0847893114

249.7

0.182851729

277.2

0.1101321586

Total Assets

Total AssetsGrowth %

2015$185.314.38%6/30/07$64.6

2016$194.65.02%

2017$211.18.48%

2018$249.718.29%

2019$277.211.01%

2005$22.3

2006$52.8

2007$78.90.00%

2008$98.825.22%

2009$114.9

2010$120.6

2011$129.00.00%

2012$143.2

2013

2014$162.00.00%

Net Income Chart

2015

2016

2017

2018

2019

Thousands

Net Income

1694

1914

1782

2703

3071

New Net Inc

New Net Inc

20152015

20162016

20172017

20182018

20192019

After-Tax

Pre-Tax

Net Income

1694

2611

1914

2968

1782

3281

2703

3613

3071

4162

Net Income

DateAfter-TaxPre-Tax

2015$1,694.0$2,611.0

2016$1,914.0$2,968.0

2017$1,782.0$3,281.0

2018$2,703.0$3,613.0

2019$3,071.0$4,162.0

2011$1,156.0$1,156.0

2012$1,507.0$2,083.0

2013$1,347.0$2,087.0

2014$1,438.0$2,317.0

Net Income

After-Tax

Pre-Tax

Cost of Dep Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Cost of Deposits

0.0059

0.0061

0.0056

0.0063

0.006

0.0064

0.0098

0.008

0.017

0.0122

Cost of Dep Data

Cost of Deposits

2015201620172018201920072008200920102011201220132014

FVB0.59%0.56%0.60%0.98%1.70%4.79%3.78%2.74%1.93%1.33%0.98%0.79%0.66%

Peer0.61%0.63%0.64%0.80%1.22%4.29%3.44%2.47%1.85%1.33%1.01%0.82%0.67%

Change-0.02%-0.07%-0.04%0.18%0.48%0.50%0.34%0.27%0.08%0.00%-0.03%-0.03%-0.01%

From Peer report from Centerstate and the "Rates on Interest Bearing Deposits"

Yield On Loans chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Yield on Loans

0.056

0.059

0.0545

0.0581

0.0539

0.0566

0.0556

0.0587

0.0582

0.0601

Yield on Loans

Yield on Loans

2015201620172018201920072008200920102011201220132014

FVB5.60%5.45%5.39%5.56%5.82%8.22%6.86%6.28%6.46%6.28%6.11%5.89%5.78%

Peer5.90%5.81%5.66%5.87%6.01%8.68%7.74%6.96%6.81%6.72%6.57%6.23%5.92%

Change-0.30%-0.36%-0.27%-0.31%-0.19%-0.46%-0.88%-0.68%-0.35%-0.44%-0.46%-0.34%-0.14%

Risk Ratio Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Tier 1 Risk Ratio

0.1667

0.1533

0.1603

0.1648

0.1515

0.1588

0.1342

0.144

0.1385

0.1489

Risk Ratio Data

Risk Ratio

2015201620172018201920072008200920102011201220132014

FVB16.67%16.03%15.15%13.42%13.85%21.31%16.06%16.63%16.72%17.87%16.00%15.66%15.94%

Peer15.33%16.48%15.88%14.40%14.89%14.01%13.17%13.66%14.24%15.22%15.86%16.07%15.87%

Change1.34%-0.45%-0.73%-0.98%-1.04%7.30%2.89%2.97%2.48%2.65%0.14%-0.41%0.07%

Used the Peer report excluding American City Bank from the Peer Group

Growth Rate Analysis

Performance Ratios (% of Average Assets)

First Vision BankCustom Peer Group

2012201320142015Performance Ratios2015201420132012

11.18%11.17%1.67%14.38%Asset Growth Rate5.51%5.12%-0.69%5.51%

11.07%12.26%2.94%16.45%Deposits Growth Rate5.28%5.22%-0.22%6.47%

7.31%5.43%5.71%5.67%Equity Capital Growth Rate4.79%4.59%5.27%5.07%

1.11%0.91%0.88%0.96%Return on Assets1.16%1.16%1.01%0.86%

8.56%7.23%7.36%8.14%Return on Equity Capital9.95%10.22%9.12%7.77%

Not updated

Dividends Chart

2016

2017

2018

2019

2020

Dividends Paid ($)

Dividends Paid $

Dividend History

497

550

560

573

584

Div Chart Updated

2016 ($.28/sh)2016 ($.28/sh)2016 ($.28/sh)

2017 ($.31/sh)2017 ($.31/sh)2017 ($.31/sh)

2018 ($.32/sh)2018 ($.32/sh)2018 ($.32/sh)

2019 ($.33/sh)2019 ($.33/sh)2019 ($.33/sh)

2020 ($.34/sh)2020 ($.34/sh)2020 ($.34/sh)

Dividends Paid ($)

% of Net Income

EPS

Dividends Paid / % of Net Income

497

0.2933884298

1.088957117

550

0.2873563218

1.0245882268

560

0.3149606299

1.567609705

573

0.2119866815

1.8140604387

584

0.1901660697

Dividends

Yield on Loans

2016 ($.28/sh)2017 ($.31/sh)2018 ($.32/sh)2019 ($.33/sh)2020 ($.34/sh)2011 $.10/sh2012 $.15/sh2013 $.20/sh)2014 $.20/sh2015 ($.25/sh)

Year Paid20162017201820192020Total20112012201320142015

Dividends Paid ($)$ 497$ 550$ 560$ 573$ 584$ 4,369$ 1,605$ 178$ 267$ 357$ 357$ 446

% Increase11.43%10.66%1.82%2.32%1.92%50.00%33.71%0.00%100.00%

Net Income prev Yr$1,694.0$1,914.0$1,778.0$2,703.0$3,071.0$625.0$1,156.0$1,507.0$1,347.0$1,438.0

% of Net Income29.34%28.74%31.50%21.20%19.02%26.50%31.02%

Earnings Per Share$ 1.09$ 1.02$ 1.57$ 1.81$ - 0

Net Income$ 1,914,430.17$ 1,777,880.86$ 2,703,288.07$ 3,071,064.64

# of Shares1,758,0401,735,2151,724,4651,692,923

1,329,481$ 0.33000$ 438,728.73

163,372$ 0.34650$ 56,608.40

229,570$ 0.33990$ 78,030.84

$ 573,367.97

Dividends Paid ($)% of Net IncomeEPS

2016 ($.28/sh)$ 49729.34%$ 1.09

2017 ($.31/sh)$ 55028.74%$ 1.02

2018 ($.32/sh)$ 56031.50%$ 1.57

2019 ($.33/sh)$ 57321.20%$ 1.81

2020 ($.34/sh)$ 58419.02%

Capital

Capital

201520162017201820192011201220132014

Capital$ 21,401$ 22,591$ 23,591$ 25,466$ 27,742$ 16,940$ 18,233$ 18,936$ 20,254

Capital

Capital

First Vision Bank Capital

Earnings Per Share

# of SharesNet Income

2015(EPS $0.96)1,758,465$ 1,693,606.86$ 0.96

2016(EPS $1.09)1,758,040$ 1,914,430.17$ 1.09

2017(EPS $1.02)1,735,215$ 1,777,880.86$ 1.02

2018(EPS $1.57)1,724,465$ 2,703,288.07$ 1.57

2019(EPS $1.81)1,692,923$ 3,071,064.64$ 1.81

Earnings Per Share

# of Shares

Net Income

Earnings Per Share

Chart1

20152015

20162016

20172017

20182018

20192019

LOANS

Loans $

Growth %

Millions

[]

[]

[]

136.1

0.0558572537

147.4

0.0830271859

161.7

0.0970149254

203.4

0.2578849722

209.3

0.029006883

Loans Chart

20152015

20162016

20172017

20182018

20192019

LOANS

Loans $

Growth %

Millions

[]

[]

[]

136.1

0.0558572537

147.4

0.0830271859

161.7

0.0970149254

203.4

0.2578849722

209.3

0.029006883

Loans

Loans $Growth %

2015$136.15.59%

2016$147.48.30%

2017$161.79.70%

2018$203.425.79%

2019$209.32.90%

2005$5.3

2006$40.5

2007$62.70.00%

2008$83.833.65%

2009$88.70.00%

2010$93.50.00%

2011$93.50.00%

2012$112.4

2013$120.90.00%

2014$128.90.00%

Deposits Chart

20152015

20162016

20172017

20182018

20192019

DEPOSITS

Deposits

Growth %

Millions

161.3

0.1646209386

170.4

0.056416615

185.3

0.0874413146

205.3

0.1079330815

234.3

0.1412566975

Deposits

DepositsGrowth %

2015$161.316.46%6/30/07$49.7

2016$170.45.64%

2017$185.38.74%

2018$205.310.79%

2019$234.314.13%

2005$7.6

2006$38.0

2007$63.1

2008$76.621.39%

2009$93.8

2010$98.8

2011$107.90.00%

2012$119.9

2013$134.60.00%

2014$138.50.00%

Total Assets Chart

20152015

20162016

20172017

20182018

20192019

TOTAL ASSETS

Total Assets

Growth %

Millions

185.3

0.1438271605

194.6

0.0501888829

211.1

0.0847893114

249.7

0.182851729

277.2

0.1101321586

Total Assets

Total AssetsGrowth %

2015$185.314.38%6/30/07$64.6

2016$194.65.02%

2017$211.18.48%

2018$249.718.29%

2019$277.211.01%

2005$22.3

2006$52.8

2007$78.90.00%

2008$98.825.22%

2009$114.9

2010$120.6

2011$129.00.00%

2012$143.2

2013

2014$162.00.00%

Net Income Chart

2015

2016

2017

2018

2019

Thousands

Net Income

1694

1914

1782

2703

3091

New Net Inc

New Net Inc

20152015

20162016

20172017

20182018

20192019

After-Tax

Pre-Tax

Net Income

1694

2611

1914

2968

1782

3281

2703

3613

3091

4189

Net Income

DateAfter-TaxPre-Tax

2015$1,694.0$2,611.0

2016$1,914.0$2,968.0

2017$1,782.0$3,281.0

2018$2,703.0$3,613.0

2019$3,091.0$4,189.0

2011$1,156.0$1,156.0

2012$1,507.0$2,083.0

2013$1,347.0$2,087.0

2014$1,438.0$2,317.0

Net Income

After-Tax

Pre-Tax

Cost of Dep Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Cost of Deposits

0.0059

0.0061

0.0056

0.0063

0.006

0.0064

0.0098

0.008

0.017

0.0122

Cost of Dep Data

Cost of Deposits

2015201620172018201920072008200920102011201220132014

FVB0.59%0.56%0.60%0.98%1.70%4.79%3.78%2.74%1.93%1.33%0.98%0.79%0.66%

Peer0.61%0.63%0.64%0.80%1.22%4.29%3.44%2.47%1.85%1.33%1.01%0.82%0.67%

Change-0.02%-0.07%-0.04%0.18%0.48%0.50%0.34%0.27%0.08%0.00%-0.03%-0.03%-0.01%

From Peer report from Centerstate and the "Rates on Interest Bearing Deposits"

Yield On Loans chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Yield on Loans

0.056

0.059

0.0545

0.0581

0.0539

0.0566

0.0556

0.0587

0.0582

0.0601

Yield on Loans

Yield on Loans

2015201620172018201920072008200920102011201220132014

FVB5.60%5.45%5.39%5.56%5.82%8.22%6.86%6.28%6.46%6.28%6.11%5.89%5.78%

Peer5.90%5.81%5.66%5.87%6.01%8.68%7.74%6.96%6.81%6.72%6.57%6.23%5.92%

Change-0.30%-0.36%-0.27%-0.31%-0.19%-0.46%-0.88%-0.68%-0.35%-0.44%-0.46%-0.34%-0.14%

Risk Ratio Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Tier 1 Risk Ratio

0.1667

0.1533

0.1603

0.1648

0.1515

0.1588

0.1342

0.144

0.1385

0.1489

Risk Ratio Data

Risk Ratio

2015201620172018201920072008200920102011201220132014

FVB16.67%16.03%15.15%13.42%13.85%21.31%16.06%16.63%16.72%17.87%16.00%15.66%15.94%

Peer15.33%16.48%15.88%14.40%14.89%14.01%13.17%13.66%14.24%15.22%15.86%16.07%15.87%

Change1.34%-0.45%-0.73%-0.98%-1.04%7.30%2.89%2.97%2.48%2.65%0.14%-0.41%0.07%

Used the Peer report excluding American City Bank from the Peer Group

Growth Rate Analysis

Performance Ratios (% of Average Assets)

First Vision BankCustom Peer Group

2012201320142015Performance Ratios2015201420132012

11.18%11.17%1.67%14.38%Asset Growth Rate5.51%5.12%-0.69%5.51%

11.07%12.26%2.94%16.45%Deposits Growth Rate5.28%5.22%-0.22%6.47%

7.31%5.43%5.71%5.67%Equity Capital Growth Rate4.79%4.59%5.27%5.07%

1.11%0.91%0.88%0.96%Return on Assets1.16%1.16%1.01%0.86%

8.56%7.23%7.36%8.14%Return on Equity Capital9.95%10.22%9.12%7.77%

Not updated

Dividends Chart

2016

2017

2018

2019

2019

Dividends Paid ($)

Dividends Paid $

Dividend History

497

550

560

573

584

Div Chart Updated

2016 ($.28/sh)2016 ($.28/sh)2016 ($.28/sh)

2017 ($.31/sh)2017 ($.31/sh)2017 ($.31/sh)

2018 ($.32/sh)2018 ($.32/sh)2018 ($.32/sh)

2019 ($.33/sh)2019 ($.33/sh)2019 ($.33/sh)

Dividends Paid ($)

% of Net Income

EPS

Dividends Paid / % of Net Income

497

0.2596656217

1.09

550

0.309336333

1.02

560

0.2071772105

1.57

573

0.1853769007

1.83

Dividends

Yield on Loans

2016 ($.28/sh)2017 ($.31/sh)2018 ($.32/sh)2019 ($.33/sh)2020 ($.34/sh)2011 $.10/sh2012 $.15/sh2013 $.20/sh)2014 $.20/sh2015 ($.25/sh)

Year Paid20162017201820192019Total20112012201320142015

Dividends Paid ($)$ 497$ 550$ 560$ 573$ 584$ 3,923$ 178$ 267$ 357$ 357$ 446

% Increase11.43%10.66%1.82%2.32%1.92%50.00%33.71%0.00%100.00%

Net Income prev Yr$1,694.0$1,914.0$1,778.0$2,703.0$3,091.0$625.0$1,156.0$1,507.0$1,347.0$1,438.0

% of Net Income29.34%28.74%31.50%21.20%18.89%26.50%31.02%

Earnings Per Share$ 1.09$ 1.02$ 1.57$ 1.83$ - 0

Net Income$ 1,914,430.17$ 1,777,880.86$ 2,703,288.07$ 3,090,976.74

# of Shares1,758,0401,735,2151,724,4651,692,923

1,329,481$ 0.33000$ 438,728.73

163,372$ 0.34650$ 56,608.40

229,570$ 0.33990$ 78,030.84

$ 573,367.97

Dividends Paid ($)% of Net IncomeEPS

2016 ($.28/sh)$ 49725.97%$ 1.09

2017 ($.31/sh)$ 55030.93%$ 1.02

2018 ($.32/sh)$ 56020.72%$ 1.57

2019 ($.33/sh)$ 57318.54%$ 1.83

Capital

Capital

201520162017201820192011201220132014

Capital$ 21,401$ 22,591$ 23,591$ 25,466$ 27,724$ 16,940$ 18,233$ 18,936$ 20,254

Capital

Capital

First Vision Bank Capital

Earnings Per Share

# of SharesNet Income

2015(EPS $0.96)1,758,465$ 1,693,606.86

2016(EPS $1.09)1,758,040$ 1,914,430.17

2017(EPS $1.02)1,735,215$ 1,777,880.86

2018(EPS $1.57)1,724,465$ 2,703,288.07

2019(EPS $1.83)1,692,923$ 3,090,976.74

Earnings Per Share

# of Shares

Net Income

Earnings Per Share

Chart1

20152015

20162016

20172017

20182018

20192019

DEPOSITS

Deposits

Growth %

Millions

161.3

0.1646209386

170.4

0.056416615

185.3

0.0874413146

205.3

0.1079330815

234.3

0.1412566975

Loans Chart

20152015

20162016

20172017

20182018

20192019

LOANS

Loans $

Growth %

Millions

[]

[]

[]

136.1

0.0558572537

147.4

0.0830271859

161.7

0.0970149254

203.4

0.2578849722

209.3

0.029006883

Loans

Loans $Growth %

2015$136.15.59%

2016$147.48.30%

2017$161.79.70%

2018$203.425.79%

2019$209.32.90%

2005$5.3

2006$40.5

2007$62.70.00%

2008$83.833.65%

2009$88.70.00%

2010$93.50.00%

2011$93.50.00%

2012$112.4

2013$120.90.00%

2014$128.90.00%

Deposits Chart

20152015

20162016

20172017

20182018

20192019

DEPOSITS

Deposits

Growth %

Millions

161.3

0.1646209386

170.4

0.056416615

185.3

0.0874413146

205.3

0.1079330815

234.3

0.1412566975

Deposits

DepositsGrowth %

2015$161.316.46%6/30/07$49.7

2016$170.45.64%

2017$185.38.74%

2018$205.310.79%

2019$234.314.13%

2005$7.6

2006$38.0

2007$63.1

2008$76.621.39%

2009$93.8

2010$98.8

2011$107.90.00%

2012$119.9

2013$134.60.00%

2014$138.50.00%

Total Assets Chart

20152015

20162016

20172017

20182018

20192019

TOTAL ASSETS

Total Assets

Growth %

Millions

185.3

0.1438271605

194.6

0.0501888829

211.1

0.0847893114

249.7

0.182851729

277.2

0.1101321586

Total Assets

Total AssetsGrowth %

2015$185.314.38%6/30/07$64.6

2016$194.65.02%

2017$211.18.48%

2018$249.718.29%

2019$277.211.01%

2005$22.3

2006$52.8

2007$78.90.00%

2008$98.825.22%

2009$114.9

2010$120.6

2011$129.00.00%

2012$143.2

2013

2014$162.00.00%

Net Income Chart

2015

2016

2017

2018

2019

Thousands

Net Income

1694

1914

1782

2703

3091

New Net Inc

New Net Inc

20152015

20162016

20172017

20182018

20192019

After-Tax

Pre-Tax

Net Income

1694

2611

1914

2968

1782

3281

2703

3613

3091

4189

Net Income

DateAfter-TaxPre-Tax

2015$1,694.0$2,611.0

2016$1,914.0$2,968.0

2017$1,782.0$3,281.0

2018$2,703.0$3,613.0

2019$3,091.0$4,189.0

2011$1,156.0$1,156.0

2012$1,507.0$2,083.0

2013$1,347.0$2,087.0

2014$1,438.0$2,317.0

Net Income

After-Tax

Pre-Tax

Cost of Dep Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Cost of Deposits

0.0059

0.0061

0.0056

0.0063

0.006

0.0064

0.0098

0.008

0.017

0.0122

Cost of Dep Data

Cost of Deposits

2015201620172018201920072008200920102011201220132014

FVB0.59%0.56%0.60%0.98%1.70%4.79%3.78%2.74%1.93%1.33%0.98%0.79%0.66%

Peer0.61%0.63%0.64%0.80%1.22%4.29%3.44%2.47%1.85%1.33%1.01%0.82%0.67%

Change-0.02%-0.07%-0.04%0.18%0.48%0.50%0.34%0.27%0.08%0.00%-0.03%-0.03%-0.01%

From Peer report from Centerstate and the "Rates on Interest Bearing Deposits"

Yield On Loans chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Yield on Loans

0.056

0.059

0.0545

0.0581

0.0539

0.0566

0.0556

0.0587

0.0582

0.0601

Yield on Loans

Yield on Loans

2015201620172018201920072008200920102011201220132014

FVB5.60%5.45%5.39%5.56%5.82%8.22%6.86%6.28%6.46%6.28%6.11%5.89%5.78%

Peer5.90%5.81%5.66%5.87%6.01%8.68%7.74%6.96%6.81%6.72%6.57%6.23%5.92%

Change-0.30%-0.36%-0.27%-0.31%-0.19%-0.46%-0.88%-0.68%-0.35%-0.44%-0.46%-0.34%-0.14%

Risk Ratio Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Tier 1 Risk Ratio

0.1667

0.1533

0.1603

0.1648

0.1515

0.1588

0.1342

0.144

0.1385

0.1489

Risk Ratio Data

Risk Ratio

2015201620172018201920072008200920102011201220132014

FVB16.67%16.03%15.15%13.42%13.85%21.31%16.06%16.63%16.72%17.87%16.00%15.66%15.94%

Peer15.33%16.48%15.88%14.40%14.89%14.01%13.17%13.66%14.24%15.22%15.86%16.07%15.87%

Change1.34%-0.45%-0.73%-0.98%-1.04%7.30%2.89%2.97%2.48%2.65%0.14%-0.41%0.07%

Used the Peer report excluding American City Bank from the Peer Group

Growth Rate Analysis

Performance Ratios (% of Average Assets)

First Vision BankCustom Peer Group

2012201320142015Performance Ratios2015201420132012

11.18%11.17%1.67%14.38%Asset Growth Rate5.51%5.12%-0.69%5.51%

11.07%12.26%2.94%16.45%Deposits Growth Rate5.28%5.22%-0.22%6.47%

7.31%5.43%5.71%5.67%Equity Capital Growth Rate4.79%4.59%5.27%5.07%

1.11%0.91%0.88%0.96%Return on Assets1.16%1.16%1.01%0.86%

8.56%7.23%7.36%8.14%Return on Equity Capital9.95%10.22%9.12%7.77%

Not updated

Dividends Chart

2016

2017

2018

2019

2019

Dividends Paid ($)

Dividends Paid $

Dividend History

497

550

560

573

584

Div Chart Updated

2016 ($.28/sh)2016 ($.28/sh)2016 ($.28/sh)

2017 ($.31/sh)2017 ($.31/sh)2017 ($.31/sh)

2018 ($.32/sh)2018 ($.32/sh)2018 ($.32/sh)

2019 ($.33/sh)2019 ($.33/sh)2019 ($.33/sh)

Dividends Paid ($)

% of Net Income

EPS

Dividends Paid / % of Net Income

497

0.2596656217

1.09

550

0.309336333

1.02

560

0.2071772105

1.57

573

0.1853769007

1.83

Dividends

Yield on Loans

2016 ($.28/sh)2017 ($.31/sh)2018 ($.32/sh)2019 ($.33/sh)2020 ($.34/sh)2011 $.10/sh2012 $.15/sh2013 $.20/sh)2014 $.20/sh2015 ($.25/sh)

Year Paid20162017201820192019Total20112012201320142015

Dividends Paid ($)$ 497$ 550$ 560$ 573$ 584$ 3,923$ 178$ 267$ 357$ 357$ 446

% Increase11.43%10.66%1.82%2.32%1.92%50.00%33.71%0.00%100.00%

Net Income prev Yr$1,694.0$1,914.0$1,778.0$2,703.0$3,091.0$625.0$1,156.0$1,507.0$1,347.0$1,438.0

% of Net Income29.34%28.74%31.50%21.20%18.89%26.50%31.02%

Earnings Per Share$ 1.09$ 1.02$ 1.57$ 1.83$ - 0

Net Income$ 1,914,430.17$ 1,777,880.86$ 2,703,288.07$ 3,090,976.74

# of Shares1,758,0401,735,2151,724,4651,692,923

1,329,481$ 0.33000$ 438,728.73

163,372$ 0.34650$ 56,608.40

229,570$ 0.33990$ 78,030.84

$ 573,367.97

Dividends Paid ($)% of Net IncomeEPS

2016 ($.28/sh)$ 49725.97%$ 1.09

2017 ($.31/sh)$ 55030.93%$ 1.02

2018 ($.32/sh)$ 56020.72%$ 1.57

2019 ($.33/sh)$ 57318.54%$ 1.83

Capital

Capital

201520162017201820192011201220132014

Capital$ 21,401$ 22,591$ 23,591$ 25,466$ 27,724$ 16,940$ 18,233$ 18,936$ 20,254

Capital

Capital

First Vision Bank Capital

Earnings Per Share

# of SharesNet Income

2015(EPS $0.96)1,758,465$ 1,693,606.86

2016(EPS $1.09)1,758,040$ 1,914,430.17

2017(EPS $1.02)1,735,215$ 1,777,880.86

2018(EPS $1.57)1,724,465$ 2,703,288.07

2019(EPS $1.83)1,692,923$ 3,090,976.74

Earnings Per Share

# of Shares

Net Income

Earnings Per Share

Chart1

20152015

20162016

20172017

20182018

20192019

After-Tax

Pre-Tax

Net Income

1694

2611

1914

2968

1782

3281

2703

3613

3071

4162

Loans Chart

20152015

20162016

20172017

20182018

20192019

LOANS

Loans $

Growth %

Millions

[]

[]

[]

136.1

0.0558572537

147.4

0.0830271859

161.7

0.0970149254

203.4

0.2578849722

209.3

0.029006883

Loans

Loans $Growth %

2015$136.15.59%

2016$147.48.30%

2017$161.79.70%

2018$203.425.79%

2019$209.32.90%

2005$5.3

2006$40.5

2007$62.70.00%

2008$83.833.65%

2009$88.70.00%

2010$93.50.00%

2011$93.50.00%

2012$112.4

2013$120.90.00%

2014$128.90.00%

Deposits Chart

20152015

20162016

20172017

20182018

20192019

DEPOSITS

Deposits

Growth %

Millions

161.3

0.1646209386

170.4

0.056416615

185.3

0.0874413146

205.3

0.1079330815

234.3

0.1412566975

Deposits

DepositsGrowth %

2015$161.316.46%6/30/07$49.7

2016$170.45.64%

2017$185.38.74%

2018$205.310.79%

2019$234.314.13%

2005$7.6

2006$38.0

2007$63.1

2008$76.621.39%

2009$93.8

2010$98.8

2011$107.90.00%

2012$119.9

2013$134.60.00%

2014$138.50.00%

Total Assets Chart

20152015

20162016

20172017

20182018

20192019

TOTAL ASSETS

Total Assets

Growth %

Millions

185.3

0.1438271605

194.6

0.0501888829

211.1

0.0847893114

249.7

0.182851729

277.2

0.1101321586

Total Assets

Total AssetsGrowth %

2015$185.314.38%6/30/07$64.6

2016$194.65.02%

2017$211.18.48%

2018$249.718.29%

2019$277.211.01%

2005$22.3

2006$52.8

2007$78.90.00%

2008$98.825.22%

2009$114.9

2010$120.6

2011$129.00.00%

2012$143.2

2013

2014$162.00.00%

Net Income Chart

2015

2016

2017

2018

2019

Thousands

Net Income

1694

1914

1782

2703

3071

New Net Inc

New Net Inc

20152015

20162016

20172017

20182018

20192019

After-Tax

Pre-Tax

Net Income

1694

2611

1914

2968

1782

3281

2703

3613

3071

4162

Net Income

DateAfter-TaxPre-Tax

2015$1,694.0$2,611.0

2016$1,914.0$2,968.0

2017$1,782.0$3,281.0

2018$2,703.0$3,613.0

2019$3,071.0$4,162.0

2011$1,156.0$1,156.0

2012$1,507.0$2,083.0

2013$1,347.0$2,087.0

2014$1,438.0$2,317.0

Net Income

After-Tax

Pre-Tax

Cost of Dep Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Cost of Deposits

0.0059

0.0061

0.0056

0.0063

0.006

0.0064

0.0098

0.008

0.017

0.0122

Cost of Dep Data

Cost of Deposits

2015201620172018201920072008200920102011201220132014

FVB0.59%0.56%0.60%0.98%1.70%4.79%3.78%2.74%1.93%1.33%0.98%0.79%0.66%

Peer0.61%0.63%0.64%0.80%1.22%4.29%3.44%2.47%1.85%1.33%1.01%0.82%0.67%

Change-0.02%-0.07%-0.04%0.18%0.48%0.50%0.34%0.27%0.08%0.00%-0.03%-0.03%-0.01%

From Peer report from Centerstate and the "Rates on Interest Bearing Deposits"

Yield On Loans chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Yield on Loans

0.056

0.059

0.0545

0.0581

0.0539

0.0566

0.0556

0.0587

0.0582

0.0601

Yield on Loans

Yield on Loans

2015201620172018201920072008200920102011201220132014

FVB5.60%5.45%5.39%5.56%5.82%8.22%6.86%6.28%6.46%6.28%6.11%5.89%5.78%

Peer5.90%5.81%5.66%5.87%6.01%8.68%7.74%6.96%6.81%6.72%6.57%6.23%5.92%

Change-0.30%-0.36%-0.27%-0.31%-0.19%-0.46%-0.88%-0.68%-0.35%-0.44%-0.46%-0.34%-0.14%

Risk Ratio Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Tier 1 Risk Ratio

0.1667

0.1533

0.1603

0.1648

0.1515

0.1588

0.1342

0.144

0.1385

0.1489

Risk Ratio Data

Risk Ratio

2015201620172018201920072008200920102011201220132014

FVB16.67%16.03%15.15%13.42%13.85%21.31%16.06%16.63%16.72%17.87%16.00%15.66%15.94%

Peer15.33%16.48%15.88%14.40%14.89%14.01%13.17%13.66%14.24%15.22%15.86%16.07%15.87%

Change1.34%-0.45%-0.73%-0.98%-1.04%7.30%2.89%2.97%2.48%2.65%0.14%-0.41%0.07%

Used the Peer report excluding American City Bank from the Peer Group

Growth Rate Analysis

Performance Ratios (% of Average Assets)

First Vision BankCustom Peer Group

2012201320142015Performance Ratios2015201420132012

11.18%11.17%1.67%14.38%Asset Growth Rate5.51%5.12%-0.69%5.51%

11.07%12.26%2.94%16.45%Deposits Growth Rate5.28%5.22%-0.22%6.47%

7.31%5.43%5.71%5.67%Equity Capital Growth Rate4.79%4.59%5.27%5.07%

1.11%0.91%0.88%0.96%Return on Assets1.16%1.16%1.01%0.86%

8.56%7.23%7.36%8.14%Return on Equity Capital9.95%10.22%9.12%7.77%

Not updated

Dividends Chart

2016

2017

2018

2019

2020

Dividends Paid ($)

Dividends Paid $

Dividend History

497

550

560

573

584

Div Chart Updated

2016 ($.28/sh)2016 ($.28/sh)2016 ($.28/sh)

2017 ($.31/sh)2017 ($.31/sh)2017 ($.31/sh)

2018 ($.32/sh)2018 ($.32/sh)2018 ($.32/sh)

2019 ($.33/sh)2019 ($.33/sh)2019 ($.33/sh)

2020 ($.34/sh)2020 ($.34/sh)2020 ($.34/sh)

Dividends Paid ($)

% of Net Income

EPS

Dividends Paid / % of Net Income

497

0.2933884298

1.088957117

550

0.2873563218

1.0245882268

560

0.3149606299

1.567609705

573

0.2119866815

1.8140604387

584

0.1901660697

Dividends

Yield on Loans

2016 ($.28/sh)2017 ($.31/sh)2018 ($.32/sh)2019 ($.33/sh)2020 ($.34/sh)2011 $.10/sh2012 $.15/sh2013 $.20/sh)2014 $.20/sh2015 ($.25/sh)

Year Paid20162017201820192020Total20112012201320142015

Dividends Paid ($)$ 497$ 550$ 560$ 573$ 584$ 4,369$ 1,605$ 178$ 267$ 357$ 357$ 446

% Increase11.43%10.66%1.82%2.32%1.92%50.00%33.71%0.00%100.00%

Net Income prev Yr$1,694.0$1,914.0$1,778.0$2,703.0$3,071.0$625.0$1,156.0$1,507.0$1,347.0$1,438.0

% of Net Income29.34%28.74%31.50%21.20%19.02%26.50%31.02%

Earnings Per Share$ 1.09$ 1.02$ 1.57$ 1.81$ - 0

Net Income$ 1,914,430.17$ 1,777,880.86$ 2,703,288.07$ 3,071,064.64

# of Shares1,758,0401,735,2151,724,4651,692,923

1,329,481$ 0.33000$ 438,728.73

163,372$ 0.34650$ 56,608.40

229,570$ 0.33990$ 78,030.84

$ 573,367.97

Dividends Paid ($)% of Net IncomeEPS

2016 ($.28/sh)$ 49729.34%$ 1.09

2017 ($.31/sh)$ 55028.74%$ 1.02

2018 ($.32/sh)$ 56031.50%$ 1.57

2019 ($.33/sh)$ 57321.20%$ 1.81

2020 ($.34/sh)$ 58419.02%

Capital

Capital

201520162017201820192011201220132014

Capital$ 21,401$ 22,591$ 23,591$ 25,466$ 27,742$ 16,940$ 18,233$ 18,936$ 20,254

Capital

Capital

First Vision Bank Capital

Earnings Per Share

# of SharesNet Income

2015(EPS $0.96)1,758,465$ 1,693,606.86$ 0.96

2016(EPS $1.09)1,758,040$ 1,914,430.17$ 1.09

2017(EPS $1.02)1,735,215$ 1,777,880.86$ 1.02

2018(EPS $1.57)1,724,465$ 2,703,288.07$ 1.57

2019(EPS $1.81)1,692,923$ 3,071,064.64$ 1.81

Earnings Per Share

# of Shares

Net Income

Earnings Per Share

Chart1

2015(EPS $0.96)2015(EPS $0.96)

2016(EPS $1.09)2016(EPS $1.09)

2017(EPS $1.02)2017(EPS $1.02)

2018(EPS $1.57)2018(EPS $1.57)

2019(EPS $1.81)2019(EPS $1.81)

# of Shares

Net Income

Earnings Per Share

1758465

1693606.86

1758040

1914430.17

1735215

1777880.86

1724465

2703288.07

1692923

3071064.64

Loans Chart

20152015

20162016

20172017

20182018

20192019

LOANS

Loans $

Growth %

Millions

[]

[]

[]

136.1

0.0558572537

147.4

0.0830271859

161.7

0.0970149254

203.4

0.2578849722

209.3

0.029006883

Loans

Loans $Growth %

2015$136.15.59%

2016$147.48.30%

2017$161.79.70%

2018$203.425.79%

2019$209.32.90%

2005$5.3

2006$40.5

2007$62.70.00%

2008$83.833.65%

2009$88.70.00%

2010$93.50.00%

2011$93.50.00%

2012$112.4

2013$120.90.00%

2014$128.90.00%

Deposits Chart

20152015

20162016

20172017

20182018

20192019

DEPOSITS

Deposits

Growth %

Millions

161.3

0.1646209386

170.4

0.056416615

185.3

0.0874413146

205.3

0.1079330815

234.3

0.1412566975

Deposits

DepositsGrowth %

2015$161.316.46%6/30/07$49.7

2016$170.45.64%

2017$185.38.74%

2018$205.310.79%

2019$234.314.13%

2005$7.6

2006$38.0

2007$63.1

2008$76.621.39%

2009$93.8

2010$98.8

2011$107.90.00%

2012$119.9

2013$134.60.00%

2014$138.50.00%

Total Assets Chart

20152015

20162016

20172017

20182018

20192019

TOTAL ASSETS

Total Assets

Growth %

Millions

185.3

0.1438271605

194.6

0.0501888829

211.1

0.0847893114

249.7

0.182851729

277.2

0.1101321586

Total Assets

Total AssetsGrowth %

2015$185.314.38%6/30/07$64.6

2016$194.65.02%

2017$211.18.48%

2018$249.718.29%

2019$277.211.01%

2005$22.3

2006$52.8

2007$78.90.00%

2008$98.825.22%

2009$114.9

2010$120.6

2011$129.00.00%

2012$143.2

2013

2014$162.00.00%

Net Income Chart

2015

2016

2017

2018

2019

Thousands

Net Income

1694

1914

1782

2703

3071

New Net Inc

New Net Inc

20152015

20162016

20172017

20182018

20192019

After-Tax

Pre-Tax

Net Income

1694

2611

1914

2968

1782

3281

2703

3613

3071

4162

Net Income

DateAfter-TaxPre-Tax

2015$1,694.0$2,611.0

2016$1,914.0$2,968.0

2017$1,782.0$3,281.0

2018$2,703.0$3,613.0

2019$3,071.0$4,162.0

2011$1,156.0$1,156.0

2012$1,507.0$2,083.0

2013$1,347.0$2,087.0

2014$1,438.0$2,317.0

Net Income

After-Tax

Pre-Tax

Cost of Dep Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Cost of Deposits

0.0059

0.0061

0.0056

0.0063

0.006

0.0064

0.0098

0.008

0.017

0.0122

Cost of Dep Data

Cost of Deposits

2015201620172018201920072008200920102011201220132014

FVB0.59%0.56%0.60%0.98%1.70%4.79%3.78%2.74%1.93%1.33%0.98%0.79%0.66%

Peer0.61%0.63%0.64%0.80%1.22%4.29%3.44%2.47%1.85%1.33%1.01%0.82%0.67%

Change-0.02%-0.07%-0.04%0.18%0.48%0.50%0.34%0.27%0.08%0.00%-0.03%-0.03%-0.01%

From Peer report from Centerstate and the "Rates on Interest Bearing Deposits"

Yield On Loans chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Yield on Loans

0.056

0.059

0.0545

0.0581

0.0539

0.0566

0.0556

0.0587

0.0582

0.0601

Yield on Loans

Yield on Loans

2015201620172018201920072008200920102011201220132014

FVB5.60%5.45%5.39%5.56%5.82%8.22%6.86%6.28%6.46%6.28%6.11%5.89%5.78%

Peer5.90%5.81%5.66%5.87%6.01%8.68%7.74%6.96%6.81%6.72%6.57%6.23%5.92%

Change-0.30%-0.36%-0.27%-0.31%-0.19%-0.46%-0.88%-0.68%-0.35%-0.44%-0.46%-0.34%-0.14%

Risk Ratio Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Tier 1 Risk Ratio

0.1667

0.1533

0.1603

0.1648

0.1515

0.1588

0.1342

0.144

0.1385

0.1489

Risk Ratio Data

Risk Ratio

2015201620172018201920072008200920102011201220132014

FVB16.67%16.03%15.15%13.42%13.85%21.31%16.06%16.63%16.72%17.87%16.00%15.66%15.94%

Peer15.33%16.48%15.88%14.40%14.89%14.01%13.17%13.66%14.24%15.22%15.86%16.07%15.87%

Change1.34%-0.45%-0.73%-0.98%-1.04%7.30%2.89%2.97%2.48%2.65%0.14%-0.41%0.07%

Used the Peer report excluding American City Bank from the Peer Group

Growth Rate Analysis

Performance Ratios (% of Average Assets)

First Vision BankCustom Peer Group

2012201320142015Performance Ratios2015201420132012

11.18%11.17%1.67%14.38%Asset Growth Rate5.51%5.12%-0.69%5.51%

11.07%12.26%2.94%16.45%Deposits Growth Rate5.28%5.22%-0.22%6.47%

7.31%5.43%5.71%5.67%Equity Capital Growth Rate4.79%4.59%5.27%5.07%

1.11%0.91%0.88%0.96%Return on Assets1.16%1.16%1.01%0.86%

8.56%7.23%7.36%8.14%Return on Equity Capital9.95%10.22%9.12%7.77%

Not updated

Dividends Chart

2016

2017

2018

2019

2020

Dividends Paid ($)

Dividends Paid $

Dividend History

497

550

560

573

584

Div Chart Updated

2016 ($.28/sh)2016 ($.28/sh)2016 ($.28/sh)

2017 ($.31/sh)2017 ($.31/sh)2017 ($.31/sh)

2018 ($.32/sh)2018 ($.32/sh)2018 ($.32/sh)

2019 ($.33/sh)2019 ($.33/sh)2019 ($.33/sh)

2020 ($.34/sh)2020 ($.34/sh)2020 ($.34/sh)

Dividends Paid ($)

% of Net Income

EPS

Dividends Paid / % of Net Income

497

0.2933884298

1.088957117

550

0.2873563218

1.0245882268

560

0.3149606299

1.567609705

573

0.2119866815

1.8140604387

584

0.1901660697

Dividends

Yield on Loans

2016 ($.28/sh)2017 ($.31/sh)2018 ($.32/sh)2019 ($.33/sh)2020 ($.34/sh)2011 $.10/sh2012 $.15/sh2013 $.20/sh)2014 $.20/sh2015 ($.25/sh)

Year Paid20162017201820192020Total20112012201320142015

Dividends Paid ($)$ 497$ 550$ 560$ 573$ 584$ 4,369$ 1,605$ 178$ 267$ 357$ 357$ 446

% Increase11.43%10.66%1.82%2.32%1.92%50.00%33.71%0.00%100.00%

Net Income prev Yr$1,694.0$1,914.0$1,778.0$2,703.0$3,071.0$625.0$1,156.0$1,507.0$1,347.0$1,438.0

% of Net Income29.34%28.74%31.50%21.20%19.02%26.50%31.02%

Earnings Per Share$ 1.09$ 1.02$ 1.57$ 1.81$ - 0

Net Income$ 1,914,430.17$ 1,777,880.86$ 2,703,288.07$ 3,071,064.64

# of Shares1,758,0401,735,2151,724,4651,692,923

1,329,481$ 0.33000$ 438,728.73

163,372$ 0.34650$ 56,608.40

229,570$ 0.33990$ 78,030.84

$ 573,367.97

Dividends Paid ($)% of Net IncomeEPS

2016 ($.28/sh)$ 49729.34%$ 1.09

2017 ($.31/sh)$ 55028.74%$ 1.02

2018 ($.32/sh)$ 56031.50%$ 1.57

2019 ($.33/sh)$ 57321.20%$ 1.81

2020 ($.34/sh)$ 58419.02%

Capital

Capital

201520162017201820192011201220132014

Capital$ 21,401$ 22,591$ 23,591$ 25,466$ 27,742$ 16,940$ 18,233$ 18,936$ 20,254

Capital

Capital

First Vision Bank Capital

Earnings Per Share

# of SharesNet Income

2015(EPS $0.96)1,758,465$ 1,693,606.86

2016(EPS $1.09)1,758,040$ 1,914,430.17

2017(EPS $1.02)1,735,215$ 1,777,880.86

2018(EPS $1.57)1,724,465$ 2,703,288.07

2019(EPS $1.81)1,692,923$ 3,071,064.64

Earnings Per Share

# of Shares

Net Income

Earnings Per Share

FVM 2019 Data

Closed 286 Loans

Volume $56.4 million

Purchases 64%Refinance 36%

Conventional 62%Government 38%

Ricky Foster Memorial Scholarship

Presented by:

The Foster Family & First Vision Bank Franklin County Financial / Jeff Owens

$4000 annually

To Benefit High School Seniors in Franklin County

Ricky Foster Memorial Scholarship

Presented by:

The Foster Family & First Vision Bank

Franklin County Financial / Jeff Owens

$4000 annually

To Benefit High School Seniors in Franklin County

DIVIDENDS

Common Stock $.34 per share

SD Stock $.3502 per share

PD Stock $.357 per share

DIVIDENDS

Common Stock $.34 per share

SD Stock $.3502 per share

PD Stock $.357 per share

Chart1

2016 ($.28/sh)2016 ($.28/sh)2016 ($.28/sh)

2017 ($.31/sh)2017 ($.31/sh)2017 ($.31/sh)

2018 ($.32/sh)2018 ($.32/sh)2018 ($.32/sh)

2019 ($.33/sh)2019 ($.33/sh)2019 ($.33/sh)

2020 ($.34/sh)2020 ($.34/sh)2020 ($.34/sh)

Dividends Paid ($)

% of Net Income

EPS

Dividends Paid / % of Net Income

497

0.2933884298

1.088957117

550

0.2873563218

1.0245882268

560

0.3149606299

1.567609705

573

0.2119866815

1.8140604387

584

0.1901660697

Loans Chart

20152015

20162016

20172017

20182018

20192019

LOANS

Loans $

Growth %

Millions

[]

[]

[]

136.1

0.0558572537

147.4

0.0830271859

161.7

0.0970149254

203.4

0.2578849722

209.3

0.029006883

Loans

Loans $Growth %

2015$136.15.59%

2016$147.48.30%

2017$161.79.70%

2018$203.425.79%

2019$209.32.90%

2005$5.3

2006$40.5

2007$62.70.00%

2008$83.833.65%

2009$88.70.00%

2010$93.50.00%

2011$93.50.00%

2012$112.4

2013$120.90.00%

2014$128.90.00%

Deposits Chart

20152015

20162016

20172017

20182018

20192019

DEPOSITS

Deposits

Growth %

Millions

161.3

0.1646209386

170.4

0.056416615

185.3

0.0874413146

205.3

0.1079330815

234.3

0.1412566975

Deposits

DepositsGrowth %

2015$161.316.46%6/30/07$49.7

2016$170.45.64%

2017$185.38.74%

2018$205.310.79%

2019$234.314.13%

2005$7.6

2006$38.0

2007$63.1

2008$76.621.39%

2009$93.8

2010$98.8

2011$107.90.00%

2012$119.9

2013$134.60.00%

2014$138.50.00%

Total Assets Chart

20152015

20162016

20172017

20182018

20192019

TOTAL ASSETS

Total Assets

Growth %

Millions

185.3

0.1438271605

194.6

0.0501888829

211.1

0.0847893114

249.7

0.182851729

277.2

0.1101321586

Total Assets

Total AssetsGrowth %

2015$185.314.38%6/30/07$64.6

2016$194.65.02%

2017$211.18.48%

2018$249.718.29%

2019$277.211.01%

2005$22.3

2006$52.8

2007$78.90.00%

2008$98.825.22%

2009$114.9

2010$120.6

2011$129.00.00%

2012$143.2

2013

2014$162.00.00%

Net Income Chart

2015

2016

2017

2018

2019

Thousands

Net Income

1694

1914

1782

2703

3071

New Net Inc

New Net Inc

20152015

20162016

20172017

20182018

20192019

After-Tax

Pre-Tax

Net Income

1694

2611

1914

2968

1782

3281

2703

3613

3071

4162

Net Income

DateAfter-TaxPre-Tax

2015$1,694.0$2,611.0

2016$1,914.0$2,968.0

2017$1,782.0$3,281.0

2018$2,703.0$3,613.0

2019$3,071.0$4,162.0

2011$1,156.0$1,156.0

2012$1,507.0$2,083.0

2013$1,347.0$2,087.0

2014$1,438.0$2,317.0

Net Income

After-Tax

Pre-Tax

Cost of Dep Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Cost of Deposits

0.0059

0.0061

0.0056

0.0063

0.006

0.0064

0.0098

0.008

0.017

0.0122

Cost of Dep Data

Cost of Deposits

2015201620172018201920072008200920102011201220132014

FVB0.59%0.56%0.60%0.98%1.70%4.79%3.78%2.74%1.93%1.33%0.98%0.79%0.66%

Peer0.61%0.63%0.64%0.80%1.22%4.29%3.44%2.47%1.85%1.33%1.01%0.82%0.67%

Change-0.02%-0.07%-0.04%0.18%0.48%0.50%0.34%0.27%0.08%0.00%-0.03%-0.03%-0.01%

From Peer report from Centerstate and the "Rates on Interest Bearing Deposits"

Yield On Loans chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Yield on Loans

0.056

0.059

0.0545

0.0581

0.0539

0.0566

0.0556

0.0587

0.0582

0.0601

Yield on Loans

Yield on Loans

2015201620172018201920072008200920102011201220132014

FVB5.60%5.45%5.39%5.56%5.82%8.22%6.86%6.28%6.46%6.28%6.11%5.89%5.78%

Peer5.90%5.81%5.66%5.87%6.01%8.68%7.74%6.96%6.81%6.72%6.57%6.23%5.92%

Change-0.30%-0.36%-0.27%-0.31%-0.19%-0.46%-0.88%-0.68%-0.35%-0.44%-0.46%-0.34%-0.14%

Risk Ratio Chart

20152015

20162016

20172017

20182018

20192019

FVB

Peer

Tier 1 Risk Ratio

0.1667

0.1533

0.1603

0.1648

0.1515

0.1588

0.1342

0.144

0.1385

0.1489

Risk Ratio Data

Risk Ratio

2015201620172018201920072008200920102011201220132014

FVB16.67%16.03%15.15%13.42%13.85%21.31%16.06%16.63%16.72%17.87%16.00%15.66%15.94%

Peer15.33%16.48%15.88%14.40%14.89%14.01%13.17%13.66%14.24%15.22%15.86%16.07%15.87%

Change1.34%-0.45%-0.73%-0.98%-1.04%7.30%2.89%2.97%2.48%2.65%0.14%-0.41%0.07%

Used the Peer report excluding American City Bank from the Peer Group

Growth Rate Analysis

Performance Ratios (% of Average Assets)

First Vision BankCustom Peer Group

2012201320142015Performance Ratios2015201420132012

11.18%11.17%1.67%14.38%Asset Growth Rate5.51%5.12%-0.69%5.51%

11.07%12.26%2.94%16.45%Deposits Growth Rate5.28%5.22%-0.22%6.47%

7.31%5.43%5.71%5.67%Equity Capital Growth Rate4.79%4.59%5.27%5.07%

1.11%0.91%0.88%0.96%Return on Assets1.16%1.16%1.01%0.86%

8.56%7.23%7.36%8.14%Return on Equity Capital9.95%10.22%9.12%7.77%

Not updated

Dividends Chart

2016

2017

2018

2019

2020

Dividends Paid ($)

Dividends Paid $

Dividend History

497

550

560

573

584

Div Chart Updated

2016 ($.28/sh)2016 ($.28/sh)2016 ($.28/sh)

2017 ($.31/sh)2017 ($.31/sh)2017 ($.31/sh)

2018 ($.32/sh)2018 ($.32/sh)2018 ($.32/sh)

2019 ($.33/sh)2019 ($.33/sh)2019 ($.33/sh)

2020 ($.34/sh)2020 ($.34/sh)2020 ($.34/sh)

Dividends Paid ($)

% of Net Income

EPS

Dividends Paid / % of Net Income

497

0.2933884298

1.088957117

550

0.2873563218

1.0245882268

560

0.3149606299

1.567609705

573

0.2119866815

1.8140604387

584

0.1901660697

Dividends

Yield on Loans

2016 ($.28/sh)2017 ($.31/sh)2018 ($.32/sh)2019 ($.33/sh)2020 ($.34/sh)2011 $.10/sh2012 $.15/sh2013 $.20/sh)2014 $.20/sh2015 ($.25/sh)

Year Paid20162017201820192020Total20112012201320142015

Dividends Paid ($)$ 497$ 550$ 560$ 573$ 584$ 4,369$ 1,605$ 178$ 267$ 357$ 357$ 446

% Increase11.43%10.66%1.82%2.32%1.92%50.00%33.71%0.00%100.00%

Net Income prev Yr$1,694.0$1,914.0$1,778.0$2,703.0$3,071.0$625.0$1,156.0$1,507.0$1,347.0$1,438.0

% of Net Income29.34%28.74%31.50%21.20%19.02%26.50%31.02%

Earnings Per Share$ 1.09$ 1.02$ 1.57$ 1.81$ - 0

Net Income$ 1,914,430.17$ 1,777,880.86$ 2,703,288.07$ 3,071,064.64

# of Shares1,758,0401,735,2151,724,4651,692,923

1,329,481$ 0.33000$ 438,728.73

163,372$ 0.34650$ 56,608.40

229,570$ 0.33990$ 78,030.84

$ 573,367.97

Dividends Paid ($)% of Net IncomeEPS

2016 ($.28/sh)$ 49729.34%$ 1.09

2017 ($.31/sh)$ 55028.74%$ 1.02

2018 ($.32/sh)$ 56031.50%$ 1.57

2019 ($.33/sh)$ 57321.20%$ 1.81

2020 ($.34/sh)$ 58419.02%

Capital

Capital

201520162017201820192011201220132014

Capital$ 21,401$ 22,591$ 23,591$ 25,466$ 27,742$ 16,940$ 18,233$ 18,936$ 20,254

Capital

Capital

First Vision Bank Capital

Earnings Per Share

# of SharesNet Income

2015(EPS $0.96)1,758,465$ 1,693,606.86

2016(EPS $1.09)1,758,040$ 1,914,430.17

2017(EPS $1.02)1,735,215$ 1,777,880.86

2018(EPS $1.57)1,724,465$ 2,703,288.07

2019(EPS $1.81)1,692,923$ 3,071,064.64

Earnings Per Share

# of Shares

Net Income

Earnings Per Share

Total DividendsPaid

$4,639,000

Thank you for joining us!!

Slide Number 1Annual Shareholders MeetingSlide Number 3Board of DirectorsSlide Number 5Slide Number 6Slide Number 7Slide Number 8Slide Number 9Slide Number 10Slide Number 11Slide Number 12Slide Number 13Slide Number 14FVM 2019 DataSlide Number 16Slide Number 17Slide Number 18Slide Number 19Slide Number 20