FNB United

Deposit Market Share for Selected Markets
Pending Ownership, including Bank, Savings Bank, Thrift Branches
Ownership as of6/18/2013, Branches and Deposits as of6/30/2012

STATE: North Carolina
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	Bank of America Corp. (NC)	Bank	183	168,201.7	49.45	134,648.1	47.60
2	3	BB&T Corp. (NC)	Bank	366	51,839.1	15.24	35,064.0	12.39
3	2	Wells Fargo & Co. (CA)	Bank	333	47,204.6	13.88	38,768.6	13.70
4	4	First Citizens BancShares Inc. (NC)	Bank	264	12,712.5	3.74	12,252.5	4.33
5	5	PNC Financial Services Group (PA)	Bank	168	9,456.3	2.78	10,262.4	3.63
6	6	SunTrust Banks Inc. (GA)	Bank	187	7,088.2	2.08	7,308.7	2.58
7	7	BNC Bancorp (NC)	Bank	33	2,537.3	0.75	2,634.3	0.93
8	8	First Bancorp (NC)	Bank	82	2,520.7	0.74	2,474.5	0.87
9	9	Capital Bank Finl Corp (FL)	Bank	53	2,352.8	0.69	2,467.9	0.87
10	11	Fifth Third Bancorp (OH)	Bank	60	2,173.1	0.64	2,103.4	0.74
11	10	FNB United Corp. (NC)	Bank	63	2,043.7	0.60	2,364.8	0.84
		Total for institutions in market		2,691	340,119.6		282,893.6

COUNTY: Randolph, NC
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	FNB United Corp. (NC)	Bank	8	457.7	27.61	547.1	31.17
2	2	BNC Bancorp (NC)	Bank	6	269.0	16.23	259.5	14.79
3	3	Wells Fargo & Co. (CA)	Bank	5	230.4	13.90	246.8	14.06
4	5	BB&T Corp. (NC)	Bank	3	169.0	10.19	146.7	8.36
5	4	PNC Financial Services Group (PA)	Bank	4	145.2	8.76	175.9	10.02
6	7	Fidelity BancShares (N.C.) Inc (NC)	Bank	2	84.1	5.08	66.7	3.80
7	6	Carolina Bank Holdings Inc. (NC)	Bank	1	83.7	5.05	82.2	4.68
8	8	First Bancorp (NC)	Bank	4	73.2	4.42	65.5	3.73
9	9	SunTrust Banks Inc. (GA)	Bank	1	42.5	2.56	46.3	2.64
10	10	First Citizens BancShares Inc. (NC)	Bank	1	41.2	2.49	40.6	2.31
		Total for institutions in market		40	1,657.7		1,755.3

MSA: Rockingham, NC
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	BB&T Corp. (NC)	Bank	4	170.8	41.49	167.6	38.94
2	2	FNB United Corp. (NC)	Bank	3	74.3	18.05	77.7	18.06
3	3	PNC Financial Services Group (PA)	Bank	2	65.3	15.87	77.6	18.02
4	4	Fidelity BancShares (N.C.) Inc (NC)	Bank	3	59.5	14.44	60.8	14.14
5	5	First Bancorp (NC)	Bank	2	41.0	9.95	45.6	10.59
6	6	JRMB II Inc. (OK)	Bank	2	0.8	0.20	1.1	0.25
		Total for institutions in market		16	411.7		430.3

MSA: North Wilkesboro, NC
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	Wells Fargo & Co. (CA)	Bank	4	185.3	24.11	190.1	25.17
2	3	Yadkin Financial Corporation (NC)	Bank	2	107.5	13.99	107.6	14.24
3	2	FNB United Corp. (NC)	Bank	4	103.9	13.52	110.4	14.62
4	4	BB&T Corp. (NC)	Bank	2	103.6	13.49	91.9	12.16
5	5	First Citizens BancShares Inc. (NC)	Bank	1	79.6	10.36	71.2	9.43
6	6	Bank of America Corp. (NC)	Bank	1	57.6	7.50	60.2	7.97
7	8	Great State Bank (NC)	Bank	1	45.5	5.92	39.6	5.24
8	7	SunTrust Banks Inc. (GA)	Bank	1	36.3	4.72	40.3	5.33
9	9	Piedmont FSB (NC)	Savings Bank	1	25.7	3.35	25.2	3.33
10	10	First Community Bancshares Inc (VA)	Bank	1	12.0	1.56	11.6	1.54
		Total for institutions in market		20	768.5		755.2

COUNTY: Gaston, NC
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	BB&T Corp. (NC)	Bank	12	712.7	29.67	673.8	27.44
2	2	Wells Fargo & Co. (CA)	Bank	9	457.1	19.03	450.3	18.33
3	3	Park Sterling Corporation (NC)	Bank	7	254.7	10.60	261.8	10.66
4	5	Bank of America Corp. (NC)	Bank	5	148.7	6.19	148.6	6.05
5	4	FNB United Corp. (NC)	Bank	5	147.2	6.13	162.2	6.61
6	6	AB&T Financial Corp. (NC)	Bank	2	122.6	5.11	137.9	5.62
7	7	Bank of the Ozarks Inc. (AR)	Bank	3	102.2	4.25	131.7	5.36
8	11	Belmont FS&LA (NC)	Savings Bank	1	90.6	3.77	79.2	3.23
9	8	PNC Financial Services Group (PA)	Bank	2	88.9	3.70	112.1	4.56
10	10	SunTrust Banks Inc. (GA)	Bank	3	81.9	3.41	86.2	3.51
		Total for institutions in market		55	2,401.9		2,455.9

MSA: Salisbury, NC
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	F & M Financial Corp. (NC)	Bank	9	354.6	26.17	375.8	27.11
2	2	Wells Fargo & Co. (CA)	Bank	4	230.9	17.04	207.6	14.97
3	3	SunTrust Banks Inc. (GA)	Bank	4	139.4	10.29	163.9	11.82
4	4	Park Sterling Corporation (NC)	Bank	2	118.5	8.75	125.0	9.02
5	5	Crescent Financial Bancshares (NC)	Bank	2	104.2	7.69	124.0	8.94
6	6	FNB United Corp. (NC)	Bank	4	90.1	6.65	102.3	7.38
7	7	BNC Bancorp (NC)	Bank	1	71.3	5.26	61.7	4.45
8	8	Bank of the Carolinas Corp. (NC)	Bank	1	62.6	4.62	56.9	4.11
9	9	Bank of America Corp. (NC)	Bank	1	49.8	3.67	51.4	3.71
10	11	BB&T Corp. (NC)	Bank	1	49.0	3.62	30.6	2.21
		Total for institutions in market		34	1,355.0		1,386.5

MSA: Hickory-Lenoir-Morganton, NC
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	BB&T Corp. (NC)	Bank	15	941.8	22.10	938.7	21.64
2	2	Wells Fargo & Co. (CA)	Bank	11	773.4	18.15	732.6	16.89
3	3	FNB United Corp. (NC)	Bank	15	610.3	14.32	667.1	15.37
4	5	First Citizens BancShares Inc. (NC)	Bank	14	567.8	13.33	544.7	12.55
5	4	Peoples Bancorp of NC Inc. (NC)	Bank	12	563.2	13.22	619.2	14.27
6	6	SunTrust Banks Inc. (GA)	Bank	5	149.0	3.50	165.5	3.81
7	7	CertusHoldings Inc. (GA)	Bank	3	105.3	2.47	112.0	2.58
8	8	Bank of America Corp. (NC)	Bank	4	102.3	2.40	102.9	2.37
9	10	Taylorsville Savings Bank SSB (NC)	Savings Bank	3	80.2	1.88	79.6	1.84
10	9	PNC Financial Services Group (PA)	Bank	2	65.5	1.54	85.5	1.97
		Total for institutions in market		97	4,261.1		4,338.8

MSA: Greensboro-High Point, NC
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	Wells Fargo & Co. (CA)	Bank	32	1,965.4	18.70	3,166.3	26.80
2	2	BB&T Corp. (NC)	Bank	23	1,905.0	18.12	1,822.4	15.43
3	4	Bank of America Corp. (NC)	Bank	19	841.7	8.01	865.7	7.33
4	3	SunTrust Banks Inc. (GA)	Bank	19	819.0	7.79	913.3	7.73
5	8	NewBridge Bancorp (NC)	Bank	12	615.8	5.86	562.8	4.76
6	6	High Point Bank Corp. (NC)	Bank	11	611.4	5.82	589.1	4.99
7	7	First Citizens BancShares Inc. (NC)	Bank	14	588.1	5.59	584.0	4.94
8	9	Carolina Bank Holdings Inc. (NC)	Bank	6	542.1	5.16	535.3	4.53
9	5	FNB United Corp. (NC)	Bank	12	509.1	4.84	612.8	5.19
10	10	BNC Bancorp (NC)	Bank	11	479.7	4.56	462.7	3.92
		Total for institutions in market		218	10,512.1		11,813.7

MSA: Southern Pines-Pinehurst, NC
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	BB&T Corp. (NC)	Bank	8	537.3	31.61	482.5	29.68
2	2	First Bancorp (NC)	Bank	11	436.2	25.67	417.9	25.70
3	4	Wells Fargo & Co. (CA)	Bank	3	188.9	11.11	157.6	9.69
4	3	PNC Financial Services Group (PA)	Bank	4	142.5	8.39	161.7	9.94
5	6	First Citizens BancShares Inc. (NC)	Bank	2	85.1	5.01	72.1	4.43
6	5	Crescent Financial Bancshares (NC)	Bank	2	80.6	4.75	90.6	5.57
7	8	Fidelity BancShares (N.C.) Inc (NC)	Bank	3	68.6	4.03	64.9	3.99
8	9	Bank of America Corp. (NC)	Bank	2	55.0	3.24	57.2	3.52
9	7	FNB United Corp. (NC)	Bank	2	54.7	3.22	69.2	4.26
10	10	Four Oaks Fincorp Inc. (NC)	Bank	0	36.6	2.15	34.8	2.14
		Total for institutions in market		39	1,699.5		1,626.1

MSA: Burlington, NC
2012Rank	2011Rank	Institution (HQs)	Type	2012 Number of Branches	2012Total Deposits in Market ($M)	2012Total Market Share (%)	2011Total Deposits in Market ($M)	2011Total Market Share (%)
1	1	Wells Fargo & Co. (CA)	Bank	6	467.6	22.10	603.2	26.28
2	3	Capital Bank Finl Corp (FL)	Bank	5	353.1	16.69	368.3	16.05
3	2	American National Bankshares (VA)	Bank	6	320.4	15.15	368.4	16.05
4	4	SunTrust Banks Inc. (GA)	Bank	6	234.2	11.07	247.0	10.76
5	5	BB&T Corp. (NC)	Bank	2	186.5	8.82	178.0	7.76
6	6	Bank of America Corp. (NC)	Bank	3	121.6	5.75	117.2	5.11
7	8	PNC Financial Services Group (PA)	Bank	3	93.2	4.40	84.4	3.68
8	9	Crescent Financial Bancshares (NC)	Bank	2	92.4	4.37	73.1	3.19
9	7	FNB United Corp. (NC)	Bank	2	63.9	3.02	95.1	4.14
10	12	BNC Bancorp (NC)	Bank	2	51.1	2.41	39.0	1.70
		Total for institutions in market		47	2,115.6		2,295.4


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