Fourth Quarter and Year-end 2016 Highlights:

• AB&T completed the previously announced conversion to a state-chartered bank on December 30, 2016.

• Net income for the quarter increased 139.5% year-over-year and 11.4% on a linked quarter basis.

• Diluted earnings per share grew 88.4% year-over-year.

• Loans increased 10.5% year-over-year and 2.2% on a linked quarter basis.

• Deposits grew 3.2% year-over-year and 5.8% from 3Q16.

• Demand Deposits were up 18.9% year-over-year and 18.3% on a linked quarter basis. Demand Deposits represented more than 32% of total deposits at December 31st.

• Non-performing assets declined to $0 from 0.22% of Total Assets a year ago.

• The Allowance for Loan Losses declined 10% year over year and 2.9% from 3Q16. The decline in the Allowance was the result of growth in Total Loans along with $0 Provision for Loan Losses rather than a significant increase in net losses. Net losses for 2016 totaled less than $10,000.

• There has been no Provision for Loan Losses since FY2014.

The year was highlighted by the conversion from a national bank to a state-chartered bank. The bank’s application to convert was approved on December 2nd by the Georgia Department of Banking and Finance and the conversion was completed on December 30th. Going forward, we expect this conversion to enhance our ability to serve our community.

2016 was a year of significant improvement in earnings as Net Income grew 88.4% from 2015. The growth in Net Income was attributable to growth in Interest Income, which was primarily due to growth in Total Loans. Additionally, the bank experienced growth in fee income and continued to exercise disciplined expense management.

Loans grew 10.5% from year-end 2015 and credit quality remains strong. Our underwriting philosophy has not changed in the past six years. At December 31st, there were no Non-Performing Assets on the books. In addition, the Company has not provided for loan losses since fiscal year 2014, yet the Allowance for Loan Losses remains healthy at 1.47% of Total Loans.

Deposits grew 3.2% year over year as the deposit mix continued to shift toward demand deposits. Demand deposits grew 18.9% year over year and represented over 32% of Total Deposits at December 31st up from slightly less than 28% of Total Deposits a year ago. Since clients typically maintain their Demand Deposits with their primary bank, the growth in Demand Deposits is a proxy for growth in relationships. On a linked quarter basis, Total Deposits grew 2.2%.

We continue to be encouraged about the future of Community Capital. The essence of our culture is to thoroughly understand our clients’ needs and to craft solutions to meet those needs. In order to do so, we must be operationally sound and disciplined in thought and action. We believe that by honoring our culture and remaining true to who we are, we will become the bank of choice for those seeking a consultative and lasting banking experience. Our performance in 2016 supports this belief.