1 Atlantic Capital Bancshares, Inc. (ACBI) Investor Presentation November 3, 2016

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. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “projection,” “would” and “outlook,” or the negative version of those words or other comparable of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. The following risks, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: (1) the expected growth opportunities and cost savings from the transaction with First Security Group, Inc. (“First Security”) may not be fully realized or may take longer to realize than expected; (2) revenues following the transaction with First Security and recent branch sales may be lower than expected as a result of deposit attrition, increased operating costs, customer loss or business disruption; (3) diversion of management time on merger related issues; (4) changes in asset quality and credit risk; (5) the cost and availability of capital; (6) customer acceptance of the combined company’s products and services; (7) customer borrowing, repayment, investment and deposit practices; (8) the introduction, withdrawal, success and timing of business initiatives; (9) the impact, extent, and timing of technological changes; (10) severe catastrophic events in our geographic area; (11) a weakening of the economies in which the combined company will conduct operations may adversely affect its operating results; (12) the U.S. legal and regulatory framework, including those associated with the Dodd-Frank Wall Street Reform and Consumer Protection Act could adversely affect the operating results of the combined company; (13) the interest rate environment may compress margins and adversely affect net interest income; (14) changes in trade, monetary and fiscal policies of various governmental bodies and central banks could affect the economic environment in which we operate; (15) our ability to determine accurate values of certain assets and liabilities; (16) adverse behaviors in securities, public debt, and capital markets, including changes in market liquidity and volatility; (17) our ability to anticipate interest rate changes correctly and manage interest rate risk presented through unanticipated changes in our interest rate risk position and/or short- and long-term interest rates; (18) unanticipated changes in our liquidity position, including but not limited to our ability to enter the financial markets to manage and respond to any changes to our liquidity position; (19) adequacy of our risk management program; (20) increased costs associated with operating as a public company; (21) competition from other financial services companies in the companies’ markets could adversely affect operations; and (22) other factors described in Atlantic Capital’s reports filed with the Securities and Exchange Commission and available on the SEC’s website (www.sec.gov). 2

Non-GAAP Financial Information Statements included in this presentation include non-GAAP financial measures and should be read long with the accompanying tables, which provide a reconciliation of non-GAAP financial measures to GAAP financial measures. Atlantic Capital management uses non-GAAP financial measures, including: (i) operating net income; (ii) operating non-interest expense; (iii) operating provision for loan losses, (iv) taxable equivalent net interest margin, (v) efficiency ratio (vi) operating return on assets; (vii) operating return on equity: (viii) tangible common equity and (ix) deposits excluding deposits assumed in branch sales, in its analysis of the Company's performance. Management believes that non-GAAP financial measures provide a greater understanding of ongoing performance and operations, and enhance comparability with prior periods. Non-GAAP financial measures should not be considered as an alternative to any measure of performance or financial condition as determined in accordance with GAAP, and investors should consider Atlantic Capital’s performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP financial measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the results or financial condition as reported under GAAP. Non-GAAP financial measures may not be comparable to non-GAAP financial measures presented by other companies. 3

Proprietary & Confidential Overview Atlantic Capital was organized in 2006 and completed an initial equity capital raise of $125 million in 2007 Focused on banking: • Small to mid-sized enterprises with revenues up to $250 million • Highly-select group of institutional caliber commercial real estate developers and investors • Principals of our commercial clients, professionals and their practices Differentiated by providing superior expertise, competitive capabilities, and high touch service delivery Completed acquisition of First Security on October 31, 2015 • Public market liquidity and value by listing shares on NASDAQ • Geographic diversification into Eastern Tennessee • Business mix diversification Sold 7 offices in Eastern Tennessee as part of repositioning of First Security’s retail business • Closed in 2nd quarter of 2016 • Closed 2 additional offices in the 3rd quarter of 2016 4

Proprietary & Confidential Atlantic Capital Strategy Become a premier southeastern business and private banking company  Investing in people and capabilities to accelerate organic growth and build profitability  Results are evidence of meaningful progress  Attractive interest rate risk position  Completed acquisition of First Security on October 31, 2015  Ongoing evaluation of new market expansion through mergers and acquisitions and de novo entry  Patient and disciplined approach with focus on shareholder value Accelerated Organic Growth Strategic Expansion 5

Proprietary & Confidential Atlantic Capital Highlights  Opened in 2007 to serve middle market companies in southeastern US  Organically grew to $1.4 billion in assets despite market downturn  Well positioned to capitalize on Atlanta market recovery, new market expansion and higher interest rates  Supplemented by recently completed strategic acquisition of First Security  Leadership continuity in key markets  Broad experience in all business lines  Focused on small to mid-sized companies and private banking services to individuals  Initiatives in place to maintain robust top line growth  Operating model will produce enhanced efficiencies going forward  Consistently high asset quality  NPAs/total assets 0.09% as of September 30, 2016 Organic Growth Story in Desirable Markets Experienced Management Team Attractive Business Mix Strong Growth Prospects Disciplined Risk Management 6

Legacy ACB Loans Held for Investment $1,046 $1,791 $1,887 $1,942 $2,008 Financial Highlights Total loans held for investment increased $66 million, or 3.4%, to $2.01 billion from June 30, 2016 and 12.1% from December 31, 2015 Total deposits increased $31 million, or 1.4%, to $2.19 billion from June 30, 2016 Dollars in millions *excluding deposits sold in branch sales. This is a non-GAAP financial measure. Please see “Non-GAAP Reconciliation” on page 21 for more details. Deposits* Total Assets 7 Combined Bank $1,382 $2,639 $2,725 $2,808 $2,761 $1,129 $2,049 $2,085 $2,158 $2,189 Q3 2015 Q4 2015 Q1 2016 Q2 2016 Q3 2016 Q3 2015 Q4 2015 Q1 2016 Q2 2016 Q3 2016 Q3 2015 Q4 2015 Q1 2016 Q2 2016 Q3 2016

$0.13 $0.44 $0.38 $0.55 $0.62 $0.14 $0.15 $0.16 Q1 Q2 Q3 2016 2016 2016 Financial Highlights Dollars in thousands *Operating noninterest income, operating diluted earnings and efficiency ratio are non-GAAP financial measures that exclude merger-related expenses and net gain on sale of branches. Please see “Non-GAAP Reconciliation” on page 21 for more details. $2,797 $2,888 $3,875 $5,342 $9,399 $4,420 $4,995 $4,002 64.2% 73.5% 75.9% 69.1% 68.8% 75.2% 72.0% 71.6% 2011 2012 2013 2014 2015 8 2.99% 2.75% 2.75% 2.85% 2.98% 3.26% 3.05% 3.12% 3.00% 3.12% 3.00% Q1 Q2 Q3 2016 2016 2016 2011 2012 2013 2014 2015 excludes purchase accounting adjustments Diluted Earnings Per Share – Operating* Net Interest Margin Operating Noninterest Income* Efficiency Ratio* Q1 Q2 Q3 2016 2016 2016 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 Q1 Q2 Q3 2016 2016 2016

1.43% -0.32% 0.02% -0.01% 0.05% 0.35% 0.00% 0.06% 0.71% 0.43% 0.36% 0.12% 0.40% 0.08% 0.07% 0.09% Financial Highlights 1.39% 1.44% 1.32% 1.10% 1.06% 0.93% 0.95% 0.92% 9 Non-Performing Assets / Total Assets Non-Performing Loans / Total Loans Net Charge Offs / Total Average Loans Allowance for Loan Losses / Total Loans 0.79% 0.49% 0.36% 0.00% 0.45% 0.02% 0.05% 0.04% YTD 2016: 0.13% Q1 Q2 Q3 2016 2016 2016 2011 2012 2013 2014 2015 Q1 Q2 Q3 2016 2016 2016 Q1 Q2 Q3 2016 2016 2016 Q1 Q2 Q3 2016 2016 2016 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015

Asset Sensitivity Change in Net Interest Income 10 5.9% 12.8% 20.4% 6.7% 14.4% 22.7% 0% 5% 10% 15% 20% 25% Up 100 bps Up 200 bps Up 300 bps 1 Year 2 Years As of September 30, 2016:  56% of loans are variable rate  25% of deposits are noninterest bearing

Diversified Loan Mix Dollars in thousands Loans Held For Investment at Sep. 30, 2016 11 Loan Growth by Type Sep. 30, 2016 Dec. 31, 2015 YTD Change Loans held for investment Commercial loans: Commercial and industrial 533,632$ 467,083$ 66,549$ Commercial real estate: Multifamily 74,881 78,778 (3,897) Owner occupied 337,277 320,656 16,621 Investment 451,125 446,979 4,146 Construction and land: 1-4 family residential construction 11,273 6,609 4,664 Other construction, development and land 202,063 159,749 42,314 Mortgage warehouse loans 171,251 84,350 86,901 Total commercial loans 1,781,502 1,564,204 217,298 Residential: Residential mortgages 100,046 110,381 (10,335) Home equity 78,952 80,738 (1,786) Total residential loans 178,998 191,119 (12,121) Consumer 30,453 30,451 2 Other 20,736 6,901 13,835 2,011,689 1,792,675 219,014 (3,587) (2,006) (1,581) Total loans held for investment 2,008,102$ 1,790,669$ 217,433$ Less net deferred fees and other unearned income C&I Owner Occupied CRE Construction and land Mortgage Warehouse Residential mortgages 26% 17% 11% 8% 5% 4% 26% 3%

Attractive Deposit Mix 25% 12% 1% 45% 8% 9% Noninterest-bearing Interest Checking Savings Money Market Time Brokered 12 Sep. 30, 2016 % of Total Dec. 31, 2015 % of Total Noninterest-bearing 557,783$ 25% 544,561$ 24% Interest checking 260,531 12% 232,868 10% Savings 29,658 1% 28,922 1% Money market 974,072 45% 875,441 39% Time 172,348 8% 183,206 8% Brokered 194,464 9% 183,810 8% Deposits to be assumed in branch sale - 0% 213,410 10% Total Deposits 2,188,856$ 100% 2,262,218$ 100% Cost of deposits 0.36% 0.28% Deposits at Sep. 30, 2016 Deposit Growth by Type Dollars in thousands

First Security Acquisition Rationale  NASDAQ listing  Significant new capital including DTA, equity private placement at premium to TBV, and subordinated notes  More diverse shareholder base  18 offices providing core funding along commercially attractive I-75 corridor  Atlanta: High density of small businesses and commercial enterprises  Chattanooga/Knoxville: Diversified manufacturing and service economies  Atlantic Capital’s Strengths: C&I, CRE and Private Banking; Corporate Treasury and Private Banking Deposits  First Security’s Strengths: Small Business and Specialty Commercial Lending; Small Business and Retail Deposit Channel  Integration plan ensures management continuity with local market presence and significant domain expertise  Significant cost saving and revenue enhancement opportunities  Retains a significant portion of First Security NOLs  Sustains robust loan origination trends and opportunities in strategic markets  Sound credit quality profile limits balance sheet risk  Complementary interest rate risk positions Public Company Value and Liquidity For Shareholders Geographic Expansion Broader Business Mix Compelling Financial Opportunity 13

Creates a leading middle market commercial bank operating throughout the southeast Attractive Market Demographics Knoxville, TN MSA • Total Population 2014: Approximately 855,000 • 2014-2019 Population Growth: 3.1% projected • Median Household Income 2014: $44,405 • Total Deposits in Market: Approximately $14.7 billion Source: Nielsen, SNL Financial 14 Atlanta-Sandy Springs-Roswell, GA MSA • Total Population 2014: Approximately 5.6 million • 2014-2019 Population Growth: 6.4% projected • Median Household Income 2014: $52,533 • Total Deposits in Market: Approximately $130 billion Charlotte, NC • Total Population 2014: Approximately 544,000 • 2014-2019 Population Growth: 4.0% projected • Median Household Income 2014: $41,704 • Total Deposits in Market: Approximately $8.5 billion Chattanooga, TN-GA MSA includes Dalton and Cleveland • Total Population 2014: Approximately 544,000 • 2014-2019 Population Growth: 4.0% projected • Median Household Income 2014: $41,704 • Total Deposits in Market: Approximately $8.5 billion In 3rd quarter of 2016, announced intention to open a corporate office in Charlotte, NC

2016 Priorities 15 Complete integration of the acquired First Security businesses including the realization of estimated cost savings Continue the trajectory of growth and profit improvement in legacy Atlantic Capital businesses Reposition legacy First Security businesses for improved performance Consider further geographic expansion, particularly de novo or team lift-out opportunities in other attractive metropolitan markets

The New Atlantic Capital Three attractive growth markets Focus on corporate, business and private banking Solid relationship deposit funding Sound credit quality Positioned for interest rate increase Pursuing disciplined strategic expansion with a focus on shareholder value Organic Growth Strategic Opportunities 16

APPENDIX

Management Biographies Name and Title Age Experience Patrick Oakes Executive Vice President & Chief Financial Officer 48 • Former Chief Financial Officer of Square 1 Financial, Inc. • Former Executive Vice President and Chief Financial Officer of Encore Bancshares, Inc. • Former Senior Vice President and Treasurer for Sterling Bancshares, Inc. • Chartered Financial Analyst Douglas Williams Chief Executive Officer 58 • Chief Executive Officer of Atlantic Capital since its inception • Former Managing Director and Head of Wachovia Corporation’s International Corporate Finance Group • Held numerous roles within Wachovia, including Executive Vice President and Head of the Global Corporate Banking Division; Chief Risk Officer for all corporate, institutional, and wholesale banking activities; Executive Vice President and Co-Head of Wachovia’s Capital Markets Division and Executive Vice President and Head of Wachovia’s US Corporate Banking Division • Chairman of the Community Depository Institutions Advisory Council (CDIAC) of the Federal Reserve Bank of Atlanta and its representative to the CDIAC of the Federal Reserve Board of Governors • Serves on the Boards of the Metro Atlanta Chamber of Commerce, the Georgia Chamber of Commerce, and the YMCA of Metropolitan Atlanta and the High Museum of Art and is a Member of the Buckhead Coalition Michael Kramer President, Chief Operating Officer 58 • Chief Executive Officer and President of First Security since December and Chief Executive Officer of FSGBank since 2011 • Former Managing Director of Ridley Capital Group • Former Director, Chief Executive Officer and President of Ohio Legacy Corporation • Former Chief Operating Officer and Chief Technology Officer of Integra Bank Corporation • Serves on the Boards of Chattanooga Chamber of Commerce, Chattanooga United Way, The Tennessee Bankers Association and the Chattanooga Young Life Committee 18

ACBI Historical Balance Sheet 19 September 30, June 30, December 31, September 30, (in thousands, except share and per share data) 2016 2016 2015 2015 ASSETS Cash and due from banks $ 44,563 $ 40,309 $ 45,848 $ 33,477 Interest-bearing deposits in banks 75,750 239,387 130,900 90,695 Other short-term investments 23,159 20,548 26,137 36,629 Cash and cash equivalents 143,472 300,244 202,885 160,801 Securities available-for-sale 348,484 328,370 346,221 127,168 Other investments 26,370 22,575 8,034 3,011 Loans held for sale 46,600 29,061 95,465 – Loans held for investment 2,008,102 1,942,137 1,790,669 1,046,437 Less: allowance for loan losses (18,534) (18,377) (18,905) (11,862) Loans held for investment, net 1,989,568 1,923,760 1,771,764 1,034,575 Branch premises held for sale 5,201 – 7,200 – Premises and equipment, net 15,213 21,770 23,145 3,138 Bank owned life insurance 61,766 61,378 60,608 30,479 Goodwill and intangible assets, net 30,071 31,674 35,232 1,259 Other real estate owned 1,727 951 1,982 27 Other assets 92,772 88,039 86,244 21,240 Total assets $ 2,761,244 $ 2,807,822 $ 2,638,780 $ 1,381,698 LIABILITIES AND SHAREHOLDERS' EQUITY Deposits: Noninterest-bearing demand $ 557,783 $ 592,043 $ 544,561 $ 328,065 Interest-bearing checking 260,531 231,091 232,868 135,350 Savings 29,658 30,839 28,922 321 Money market 974,072 913,094 875,441 550,879 Time 172,348 178,615 183,206 15,434 Brokered deposits 194,464 212,623 183,810 98,559 Deposits to be assumed in branch sale – – 213,410 – Total deposits 2,188,856 2,158,305 2,262,218 1,128,608 Federal funds purchased and securities sold under agreements to repurchase – 14,047 11,931 – Federal Home Loan Bank borrowings 170,000 240,000 – 43,000 Long-term debt 49,324 49,281 49,197 49,226 Other liabilities 44,601 42,123 27,442 11,055 Total liabilities 2,452,781 2,503,756 2,350,788 1,231,889 SHAREHOLDERS' EQUITY Preferred stock, no par value; 10,000,000 shares authorized; no shares issued and outstanding as of September 30, 2016, June 30, 2016, December 31, 2015, and September 30, 2015 – – – – Common stock, no par value; 100,000,000 shares authorized; 24,950,099, 24,750,163, 24,425,546, and 13,562,125 shares issued and outstanding as of September 30, 2016, June 30, 2016, December 31, 2015, and September 30, 2015, 290,835 289,353 286,367 136,941 Retained earnings 14,927 11,219 3,141 11,302 Accumulated other comprehensive income (loss) 2,701 3,494 (1,516) 1,566 Total shareholders’ equity 308,463 304,066 287,992 149,809 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 2,761,244 $ 2,807,822 $ 2,638,780 $ 1,381,698 Atlantic Capital Bancshares, Inc. Consolidated Balance Sheets (unaudited)

ACBI Historical Income Statement ($ in thousands) 20 Atlantic Capital Bancshares, Inc. Consolidated Statements of Income (unaudited) (in thousands except per share data) September 30, 2016 June 30, 2016 March 31, 2016 December 31, 2015 September 30, 2015 September 30, 2016 September 30, 2015 INTEREST INCOME Loans, including fees $ 20,511 $ 20,282 $ 19,625 $ 16,688 $ 9,423 $ 60,418 $ 27,874 Investment securities - available-for-sale 1,293 1,327 1,601 1,224 664 4,221 2,077 Interest and dividends on other interest‑earning assets 491 507 273 328 247 1,271 776 Total interest income 22,295 22,116 21,499 18,240 10,334 65,910 30,727 INTEREST EXPENSE Interest on deposits 1,956 1,841 1,673 1,355 751 5,470 2,262 Interest on Federal Home Loan Bank advances 133 147 44 7 52 324 283 Interest on federal funds purchased and securities sold under agreements to repurchase 37 87 67 10 20 191 69 Interest on long-term debt 815 832 810 841 17 2,457 17 Other – – 38 79 – 38 – Total interest expense 2,941 2,907 2,632 2,292 840 8,480 2,631 NET INTEREST INCOME BEFORE PROVISION FOR LOAN LOSSES 19,354 19,209 18,867 15,948 9,494 57,430 28,096 Provision for loan losses 463 777 368 7,623 (137) 1,608 412 NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 18,891 18,432 18,499 8,325 9,631 55,822 27,684 NONINTEREST INCOME Service charges 1,270 1,392 1,498 1,265 521 4,160 1,348 Gains on sale of securities available-for-sale – 11 33 – 10 44 10 Gains on sale of other assets 71 31 48 103 – 150 – Mortgage income 632 447 339 163 – 1,418 – Trust income 361 386 314 192 – 1,061 – Derivatives income 69 98 65 89 67 232 215 Bank owned life insurance 424 398 393 365 227 1,215 1,794 SBA lending activities 959 1,204 880 904 745 3,043 2,006 TriNet lending activities – 761 383 – – 1,144 – Gains on sale of branches – 3,885 – – – 3,885 – Other noninterest income 216 267 467 379 159 950 566 Total noninterest income 4,002 8,880 4,420 3,460 1,729 17,302 5,939 NONINTEREST EXPENSE Salaries and employee benefits 10,059 10,420 10,555 9,661 4,859 31,034 14,437 Occupancy 1,235 1,274 1,100 907 419 3,609 1,263 Equipment and software 862 724 686 608 243 2,272 687 Professional services 442 760 748 1,020 208 1,950 613 Postage, printing and supplies 61 159 169 115 21 389 63 Communications and data processing 617 694 916 555 313 2,227 986 Marketing and business development 269 317 267 197 90 853 213 FDIC premiums 415 493 398 273 161 1,306 516 Merger and conversion costs 579 1,210 749 7,172 718 2,538 1,982 Amortization of intangibles 520 668 762 526 – 1,950 – Other noninterest expense 2,237 2,224 1,916 2,205 639 6,377 1,934 Total noninterest expense 17,296 18,943 18,266 23,239 7,671 54,505 22,694 INCOME (LOSS) BEFORE PROVISION FOR INCOME TAXES 5,597 8,369 4,653 (11,454) 3,689 18,619 10,929 Provision for income taxes 1,889 3,222 1,722 (3,293) 1,463 6,833 4,087 NET INCOME (LOSS) $ 3,708 $ 5,147 $ 2,931 $ (8,161) $ 2,226 $ 11,786 $ 6,842 Net income (loss) per common share‑basic $ 0.15 $ 0.21 $ 0.12 $ (0.40) $ 0.16 $ 0.48 $ 0.51 Net income (loss) per common share‑diluted $ 0.15 $ 0.20 $ 0.12 $ (0.40) $ 0.16 $ 0.47 $ 0.49 Weighted average shares - basic 24,891,822 24,644,755 24,485,900 20,494,895 13,562,125 24,674,953 13,527,195 Weighted average shares - diluted 25,260,280 25,158,694 24,993,597 21,004,577 13,904,395 25,106,250 13,866,312 Nine months endedThree months ended

Non-GAAP Reconciliation 21 (in thousands, except per share data) Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter Income tax reconciliation Income tax expense - GAAP $ 1,889 $ 3,222 $ 1,722 $ (3,293) $ 1,463 Taxable equivalent adjustment 133 74 54 30 11 Merger related expenses, tax benefit 223 467 289 2,769 275 Divestiture expenses, tax benefit - 118 - - - Gain on sale of branches, tax expense - (1,500) - - - Provision for acquired non PCI FSG loans, tax benefit - - - 2,611 - Operating income tax expense $ 2,245 $ 2,381 $ 2,065 $ 2,117 $ 1,749 Net income reconciliation Net income - GAAP $ 3,708 $ 5,147 $ 2,931 $ (8,161) $ 2,226 Merger related expenses, net of income tax 356 743 460 4,403 443 Divestiture expenses, net of income tax - 187 - - - Gain on sale of branches, net of income tax - (2,385) - - - Provision for acquired non PCI FSG loans, net of income tax - - - 4,153 - Operating net income $ 4,064 $ 3,692 $ 3,391 $ 395 $ 2,669 Diluted earnings per share reconciliation Diluted earnings per share - GAAP $ 0.15 $ 0.20 $ 0.12 $ (0.40) $ 0.16 Merger related expenses 0.01 0.03 0.02 0.42 0.03 Net gain on sale of branches - (0.08) - - - Diluted earnings per share - operating $ 0.16 $ 0.15 $ 0.14 $ 0.02 $ 0.19 Efficiency ratio reconciliation Noninterest income - GAAP $ 4,002 $ 8,880 $ 4,420 $ 3,460 $ 1,729 Gain on sale of branches - (3,885) - - - Operating noninterest income $ 4,002 $ 4,995 $ 4,420 $ 3,460 $ 1,729 Noninterest expense - GAAP $ 17,296 $ 18,943 $ 18,266 $ 23,239 $ 7,671 Merger-related expenses (579) (1,210) (749) (7,172) (718) Divestiture expenses - (305) - - - Operating noninterest expense $ 16,717 $ 17,428 $ 17,517 $ 16,067 $ 6,953 Net interest income 19,354 19,209 18,867 15,948 9,494 Efficiency ratio 71.57% 72.00% 75.22% 82.79% 61.95% 2016 2015 (in thousands, except per share data) Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter Interest income reconciliation Interest income - GAAP $ 22,295 $ 22,116 $ 21,499 $ 18,240 $ 10,334 Taxable equivalent adjustment 133 74 54 30 11 Interest income - taxable equivalent $ 22,428 $ 22,190 $ 21,553 $ 18,270 $ 10,345 Net interest income reconciliation Net interest income - GAAP $ 19,354 $ 19,209 $ 18,867 $ 15,948 $ 9,494 Taxable equivalent adjustment 133 74 54 30 11 Net interest income - taxable equivalent $ 19,487 $ 19,283 $ 18,921 $ 15,978 $ 9,505 Total revenue reconciliation Total operating revenue $ 23,341 $ 23,341 $ 23,341 $ 19,438 $ 11,234 Taxable equivalent adjustment (54) (54) (54) (30) (11) Total revenue - GAAP $ 23,287 $ 23,287 $ 23,287 $ 19,408 $ 11,223 Operating provision for loan losses reconciliation Provision for loan losses - GAAP $ 463 $ 777 $ 368 $ 7,623 $ (137) Provision for acquired non PCI FSG loans - - - (6,764) - Operating provision for loan losses $ 463 $ 777 $ 368 $ 859 $ (137) Operating noninterest income reconciliation Noninterest income - GAAP $ 4,002 $ 8,880 $ 4,420 $ 3,460 $ 1,729 Gain on sale of branches - (3,885) - - - Operating noninterest income $ 4,002 $ 4,995 $ 4,420 $ 3,460 $ 1,729 Operating noninterest expense reconciliation Noninterest expense - GAAP $ 17,296 $ 18,943 $ 18,266 $ 23,239 $ 7,671 Merger-related expenses (579) (1,210) (749) (7,172) (718) Divestiture expenses - (305) - - - Operating noninterest expense $ 16,717 $ 17,428 $ 17,517 $ 16,067 $ 6,953 Operating income before incom taxes reconciliation Income (loss) before income taxes - GAAP $ 5,597 $ 8,369 $ 4,653 $ (11,454) $ 3,689 Taxable equivalent adjustment 133 74 54 30 11 Merger-related expenses 579 1,210 749 7,172 718 Divestiture expenses - 305 - - - Gain on sale of branches - (3,885) - - - Provision for acquired non PCI FSG loans - - - 6,764 - Operating income before income taxes $ 6,309 $ 6,073 $ 5,456 $ 2,512 $ 4,418 2016 2015