Colony Bankcorp, Inc. (NASDAQ:CBAN) Q3 2023 Earnings Conference Call October 26, 2023 9:00 AM ET Company Participants Derek Shelnutt - Chief Financial Officer Heath Fountain - Chief Executive Officer Dallis Copeland - President Conference Call Participants Feddie Strickland - Janney Montgomery Scott David Bishop - Hovde Group, LLC Operator Good morning, ladies and gentlemen, and welcome to Colony Bank Third Quarter 2023 Conference Call. At this time, all lines are in a listen-only mode. Following the presen ...

| --- | --- | |-------|-------| | | | | | | Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties. Factors that might cause such differences include, but are not limited to: the impact of current and economic conditions, particularly those affecting the financial services industry, including the effects of declines in the real estate market, high unemployment rates, inflationary pressures, e ...

| --- | --- | --- | --- | --- | --- | --- | --- | --- | |---------------------------------------------------------------------------|-------|--------|-------|---------|-------|------------------|-------|--------| | (dollars in thousands) \nThree Months Ended June 30, 2022 | | Bank | | Banking | | Lending Division | | Totals | | Net Interest Income | $ | 18,832 | $ | 57 | $ | 291 | $ | 19,180 | | Provision for Credit Losses | | 1,100 | | — | | — | | 1,100 | | Noninterest Income | | 5,174 | | 2,736 | | 2,135 ...

IJKLMINOPQRSLIOT - !"# $#%&'(!#)*%#(+,-(#".$#%"(/*%#(+ 01 2 34/#564 $ 7/"8,9+ :+5#8" 1; ; <+#"4=(># &'(!#)?($#+>" 2@ ; &8A+6B <.A// &?:,$#%35C*%#(+"8D +/$ !"5/ 0@ 0@ B "+86B"E6<>" &?:,$#%$+8#*%#(+ 0F 2 G#>H+/E4 (C+E&?:,$#% =%;F2 OBJECTIVES AND FOCUS · Focus on growing core deposits and customer relationships · Manage expenses in an uncertain economy &HI&J( %,KL( M=NOP=QB0= RSA CR1 ?@ABCDE@F GHIJK 9L ; 4L9;9 8L9;9 3L9;4 9L9;4 M !" + N! ● Full implementation of Salesforce to influence a more complete customer ...

Colony Bankcorp, Inc. (NASDAQ:CBAN) Q2 2023 Earnings Conference Call July 27, 2023 9:00 AM ET Company Participants Derek Shelnutt - Executive Vice President and Chief Financial Officer Heath Fountain - Chief Executive Officer Dallis “D” Copeland - President Conference Call Participants David Bishop - Hovde Group Christopher Marinac - Janney Montgomery Scott Operator Good morning, ladies and gentlemen and welcome to the Colony Bank Second Quarter 2023 Conference Call. At this time, all lines are in a listen- ...

Allowance for Credit Losses – Available-for-Sale Securities ("AFS") For AFS debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or whether it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For AFS debt securities that do not meet the afo ...

Colony Bankcorp, Inc. (NASDAQ:CBAN) Q1 2023 Conference Call April 28, 2023 9:00 AM ET Company Participants Derek Shelnutt - Chief Accounting Officer T. Heath Fountain - Chief Executive Officer R. Dallis “D” Copeland, Jr. - President Conference Call Participants David Bishop - Hovde Group Feddie Strickland - Janney Montgomery Scott Operator Hello, and a warm welcome to Colony Bank First Quarter 2023 Conference Call. My name is Candice, and I'll be your coordinator for today's call. [Operator Instructions]. I ...

☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from _____________to ______________ Securities Registered Pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the ...

Colony Bankcorp, Inc. (NASDAQ:CBAN) Q4 2022 Earnings Conference Call January 27, 2023 9:00 AM ET Company Participants Derek Shelnutt - Acting Chief Financial Officer Heath Fountain - Chief Executive Officer Conference Call Participants David Bishop - Hovde Group Feddie Strickland - Janney Operator Hello, and welcome to today's Colony Bank Fourth Quarter 2022 Conference Call. My name is Harry, and I'll be coordinating your call today. [Operator Instructions] And I'll now hand over to Derek Shelnutt to begin. ...

• Strive to be trusted advisors and give consultative advice • Nimble and responsive to customer needs EXECUTIVE LEADERSHIP TEAM 6 7 ◦ Ed Canup, Chief Revenue Officer (November 2022) ◦ Market executives ▪ Birmingham (June 2022) ▪ Augusta (February 2022) ▪ Marine / RV lending (May 2022) FRANCHISE ENHANCEMENT TRACK RECORD 5-Year CAGR: 18.6% 2018 – 2022 Total Assets (Dollars in millions) Strong Organic 2,691,715 growth ($245.3M increase in assets during 2022) $2,691.7 $2,936.6 $1,232,755 $1,251,878 Acquired LB ...