From Our President and CEO Our founders knew the importance of community. Reinforced by core values at the heart of our company, We believe community commitment nurtures confidence Their community commitment stirred them to forge our sense of community drives a staunch commitment in our company across our footprint and among our foundations for a bank built to create opportunities to guard and grow the good things that keep our clients. With and because of our communities and for communities and the people who call those places communities strong. Today, approximately 3,600 clients, we have grown as a business that never knows home. More than 123 years later, community—a shared associates across the Southeast help create community completion, a company dedicated to a fundamental understanding of who we are, where we come from, and opportunities through service to their clients and to the founding promise to do the right thing. We thank our where we can go together—still stands central to our cities and towns where associates live and work. With our communities and clients for the trust that helps us company’s culture. founding ideals as the collective beacon guiding how we increase our community stewardship and for the privilege do business, associates help us protect our environment, of coming together to create opportunities for all people Our founders also envisioned and expected that promote opportunities for diverse populations, and in our communities. we, as their successors, would consider community preserve transparent corporate governance and development an indispensable priority in planning and accountability. With gratitude, implementing strategies for the company’s growth. Just as the astute business and community leaders who started This report includes highlights and results of many of our institution sought to help their communities succeed, our efforts this past year to uphold our commitment as we readily embrace our obligation to remain a sound, a conscientious corporate citizen in the communities engaged, and trustworthy financial and community we serve. partner. Caring about our communities inspires us to John M. Hairston invest in and champion the economic vitality and quality President and CEO of life that can empower our communities to thrive.