2023 Digital Annual Report

Table of Contents

Table of Contents ........................................2

Digital Annual Repo̶ t Preview ....................3

Five Year Summa̶ y .....................................4

Letter from The President & CEO ...............5

Audito̶ ’s Repo̶ t ........................................28

View The Digital Annual Report Explore the Digital Annual Repo̶ t for exclusive insights into Shareholder investing jou̶ neys and a comprehensive exploration of the ich histo̶ y of First Bank and T̶ ust Company.

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2 | 2023 Repo̶ t to Shareholders

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