FB Financial (FBK) 8-K Regulation FD Disclosure

Exhibit 99.1

 First Quarter 2019 Investor Presentation  February 13, 2019 

 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, that have been made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. You can identify these forward-looking statements in some cases through the use of words such as “believes,” “anticipates,” “expects,” “may,” “will,” “assumes,” “should,” “predicts,” “could,” “would,” “intends,” “targets,” “estimates,” “projects,” “plans,” “potential” and other similar words and expressions of the future or otherwise regarding the outlook for the future business and financial performance of FB Financial Corporation (the “Company”), as well as the timing, anticipated benefits and financial impact of the proposed acquisition by the Company’s wholly owned banking subsidiary, FirstBank (the “Bank”), of certain branches from Atlantic Capital Bank, N.A. (“Atlantic Capital”).These forward-looking statements include, without limitation, statements relating to the Company’s assets, business, cash flows, condition (financial or otherwise), credit quality, financial performance, liquidity, short and long-term performance goals, prospects, results of operations, strategic initiatives and the timing, benefits, as well as statements relating to the anticipated benefits, financial impact, and closing of the proposed acquisition of the Atlantic Capital branches, and future growth opportunities. Forward-looking statements are based on the information known to, and current beliefs and expectations of, the Company’s management and are subject to significant risks and uncertainties. Actual results may differ materially from those contemplated by such forward-looking statements. A number of important factors could cause actual results to differ materially from those contemplated by the forward-looking statements in this presentation including, without limitation, the parties’ ability to meet expectations regarding the timing and completion and accounting and tax treatment of the Atlantic Capital acquisition; the possibility that any of the anticipated benefits of the Atlantic Capital acquisition will not be fully realized or will not be realized within the expected time period; the risk that integration of the acquired Atlantic Capital branches’ operations with those of the Company will be materially delayed or will be more costly or difficult than expected; the failure of the Atlantic Capital acquisition to close for any other reason; the effect of the announcement of the Atlantic Capital acquisition on employee and customer relationships and operating results (including, without limitation, difficulties in maintaining relationships with employees and customers); the possibility that the Atlantic Capital acquisition may be more expensive to complete than anticipated, including as a result of unexpected factors or events; our ability to capitalize or execute on future strategic growth opportunities; general competitive, economic, political and market conditions and fluctuations; and the other risk factors set forth in the Company’s December 31, 2017 Form 10-K, filed with the Securities and Exchange Commission on March 16, 2018, under the captions “Cautionary note regarding forward-looking statements” and “Risk factors”. Many of these factors are difficult to foresee and are beyond the Company’s ability to control or predict. The Company believes the forward-looking statements contained herein are reasonable; however, undue reliance should not be placed on any forward-looking statements, which are based on current expectations and speak only as of the date that they are made. The Company does not assume any obligation to update any forward-looking statements as a result of new information, future developments or otherwise, except as otherwise may be required by law.  Forward looking statements 

 Use of non-GAAP financial measures  This presentation contains certain financial measures that are not measures recognized under U.S. generally accepted accounting principles (“GAAP”) and therefore are considered non-GAAP financial measures. These non‐GAAP financial measures include, without limitation, adjusted net income, adjusted diluted earnings per share, adjusted pro forma net income, adjusted pro forma diluted earnings per share, core noninterest expense, core noninterest income, core efficiency ratio (tax-equivalent basis), banking segment core efficiency ratio (tax-equivalent basis), mortgage segment core efficiency ratio (tax-efficiency basis), adjusted mortgage contribution, and adjusted return on average assets and equity. Each of these non-GAAP metrics excludes certain income and expense items that the Company’s management considers to be non‐core/adjusted in nature. The Company refers to these non‐GAAP measures as adjusted or core measures. The presentation also presents tangible assets, tangible common equity, tangible book value per common share, tangible common equity to tangible assets, return on tangible common equity, return on average tangible common equity, adjusted return on average assets, adjusted return on average equity, adjusted return on average tangible common equity, pro forma return on average assets and equity and pro forma adjusted return on average assets and equity. Each of these non-GAAP metrics excludes the impact of goodwill and other intangibles.The Company’s management uses these non-GAAP financial measures in their analysis of the Company’s performance, financial condition and the efficiency of its operations as management believes such measures facilitate period-to-period comparisons and provide meaningful indications of its operating performance as they eliminate both gains and charges that management views as non-recurring or not indicative of operating performance. Management believes that these non-GAAP financial measures provide a greater understanding of ongoing operations and enhance comparability of results with prior periods as well as demonstrating the effects of significant non-core gains and charges in the current and prior periods. The Company’s management also believes that investors find these non-GAAP financial measures useful as they assist investors in understanding the Company’s underlying operating performance and in the analysis of ongoing operating trends. In addition, because intangible assets such as goodwill and other intangibles, and the other items excluded each vary extensively from company to company, the Company believes that the presentation of this information allows investors to more easily compare the Company’s results to the results of other companies. However, the non-GAAP financial measures discussed herein should not be considered in isolation or as a substitute for the most directly comparable or other financial measures calculated in accordance with GAAP. Moreover, the manner in which the Company calculates the non-GAAP financial measures discussed herein may differ from that of other companies reporting measures with similar names. You should understand how such other banking organizations calculate their financial measures similar or with names similar to the non-GAAP financial measures the Company has discussed herein when comparing such non-GAAP financial measures. The tables included in the Appendix to this presentation provide a reconciliation of these measures to the most directly comparable GAAP financial measures. 

   Strategic drivers    Great Place to Work  Strategic M&A and Capital Optimization    Experienced Senior Management Team  Elite Financial Performance  Scalable Platforms Enabled by Technology  Empowered Teams Across Attractive Metro and Community Markets 

   Over 110 years of history  2003: Acquired The Bank of Murfreesboro in Nashville MSA  2007: Acquired branches from AmSouth Bank in Tennessee community markets  1984  1988  1996  1999  2001  2003  2004  2006  2012  2013  2015  Year:      2001: Opened branches in Nashville and Memphis  2004: Opened branch in Knoxville    Acquisitions    Organic growth  Other    1999: Acquired First State Bank of Linden  1906    2010  2007  2008  2008: Opened two branches in Chattanooga  1990    1996: Purchased Bank of West Tennessee (Lexington) and Nations Bank branch (Camden)      2001: Acquired Bank of Huntingdon  2014  2014: Opened branch in Huntsville, Alabama  1990: Jim Ayers acquired sole control of the Bank  2016    $0.3  $0.5  $0.8  $1.1  $1.1  $1.5  $2.2  $2.4  $2.9  $3.3  $1.9  $2.1  $2.1  $5.1  2016:Completed core operating platform conversion  1988: Purchased assets of First National Bank of Lexington; Changed franchise name to FirstBank  1984: Jim Ayers and associate acquired the Bank    2015: Acquired Northwest Georgia Bank in Chattanooga MSA     Total assets ($bn)  2017    2017:Acquired Clayton Bank and Trust (Knoxville, TN) and American City Bank (Tullahoma, TN)      2018  $4.7  2018:Completed secondary offering of 3.7mm shares                2016:Rebranded to FB Financial and Completed IPO  2015: Awarded “Top Workplaces" by The Tennessean  2018:Announced Acquisition of Atlantic Capital branches 

   Snapshot of FB Financial today  Financial highlights  Company overview  Second largest Nashville-headquartered bank and third largest Tennessee-based bankOriginally chartered in 1906, one of the longest continually operated banks in Tennessee Completed the largest bank IPO in Tennessee history in September 2016Mr. James W. Ayers currently owns ~44% of FB Financial following 2018 secondary offeringAttractive footprint in both high growth metropolitan markets and stable community marketsLocated in six attractive metropolitan markets in Tennessee & AlabamaStrong market position in twelve community marketsMortgage offices located throughout footprint and strategically across the southeast with national platformsProvides the personalized, relationship-based service of a community bank with the products and capabilities of a larger bankLocal people, local knowledge and local authorityPersonal banking, commercial banking, investment services, trust and mortgage banking  Note: Unaudited financial data as of December 31, 20181 Non-GAAP financial measure. See “Use of non-GAAP financial measures” and “Reconciliation of non-GAAP financial measures” in the Appendix hereto.  Current organizational structure  Balance sheet data ($mm)  12/31/2018  Total assets  $5,137  Loans - HFI   3,668  Total deposits   4,172  Shareholder’s equity   672  Key metrics (%)  FY 2018  Adjusted ROAA (%)  1.69%1  Adjusted ROATCE (%)  17.1%1  NIM (%)  4.66%  Core Efficiency (%)  64.1%1  Tangible Common Equity / Tangible Assets (%)  10.5%1  100% stockholder of FirstBank   

 A leading community bank headquartered in Tennessee  Top 10 banks in Tennessee¹  Top 10 banks under $30bn assets in Tennessee¹  Source: SNL Financial; Note: Deposit data as of June 30, 2018; Pro forma for completed acquisitions since June 30, 2018 and pending acquisitions announced as of February 12, 2019.1 Sorted by deposit market share, deposits are limited to Tennessee.2 Community bank defined as banks with less than $30bn in assets.  #2 community bank in Tennessee2 

 Attractive footprint with balance between stable community markets and high growth metropolitan markets  269123Blue dots  193210228Metro markets  130131135Highway  167169172State county outlines  8715487Green dots  148194148Community markets  Source files are619754_FirstBank Bancorp.ai and mapinfo  1 Source: SNL Financial. Statistics are based upon county data. Market data is as of June 30, 2018 and is presented on a pro forma basis for completed acquisitions since June 30, 2018 and pending acquisitions as of February 12, 2019. Size of bubble represents size of company deposits in a given market.2 Financial and operational data as of December 31, 2018.            Nashville MSA  Knoxville MSA  Chattanooga MSA  Huntsville MSA  Memphis MSA      Jackson MSA  Metropolitan marketsCommunity markets      Our current footprint1   Total loans (excluding HFS)2 - $3.7bn  Total full service branches2 – 56 branches  Total deposits2 - $4.2bn  Market rank by deposits: Nashville (12th)Knoxville (6th) Chattanooga (5th) Jackson (3rd) Memphis (30th)Huntsville (21st)       Community  Metropolitan66%   Community 22%  Community 43%  Metropolitan57%   Metropolitan55%   Community 35% 

 Well positioned in attractive metropolitan markets  269123Blue dots  193210228Metro markets  130131135Highway  167169172State county outlines  8715487Green dots  148194148Community markets  Source files are619754_FirstBank Bancorp.ai and mapinfo  Nashville rankings: “The new 'it' City” – The New York Times1   Most attractive mid-sized cities for business3  # 2  Home to leading companies…with more on the way  Nashville growth  Population growth 2010 – 2019 (%)  Projected median HHI growth 2019 – 2024 (%)  Projected population growth 2019 – 2024 (%)  Located in northern Alabama One of the strongest technology economies in the nation, with the highest concentration of engineers in the United States6th largest county by military spending in the country  Huntsville  Chattanooga  4th largest MSA in TNDiverse economy with over 24,000 businesses Employs over 260,000 people Focused on attracting tech companies and start-ups; first municipality to debut a gigabit network  Memphis  2nd largest MSA in TNDiversified business base and has the busiest cargo airport in North America11.5 million tourists visit annually, generating more than $3.3 billion for the local economy in 2016   Knoxville  3rd largest MSA in TN Approximately 14,000 warehousing and distribution jobs are in the area and account for an annual payroll of $3.8 billionWell situated to attract the key suppliers and assembly operations in the Southeast  Source: S&P Market Intelligence; Chattanooga, Knoxville, Memphis, Huntsville Chambers of Commerce, U.S. Department of Labor, Bureau of Labor Statistics, NAICS; 1 January 9, 2013 “Nashville Takes its Turn in the Spotlight”; 2 Forbes, June 2017; 3 KPMG, April 2014; 4 Headlight Data, July 2017; 5 ACBJ, October 2017.  8th largest MSA in TNComplements and solidifies our West Tennessee franchiseFirstBank is an established leader with #3 market share  Jackson  Metro for professional and business service jobs2  # 1  North America HQ    “AllianceBernstein LP to establish global headquarters in Nashville…to base 1,050 jobs in Davidson county”   Healthiest economy in top 100 metro areas5  # 4  Fastest growing large metro economy4  # 3 

     Fiscal year endedDecember 31, 2018      Non-GAAP adjusted results1  Reported GAAP results  Diluted earnings per share  $2.61  $2.55  Net income ($mm)  $82.1  $80.2  Net interest margin   4.66%  4.66%  Return on average assets   1.69%  1.66%  Return on average equity  13.0%  12.7%  Return on average tangible common equity  17.1%  16.7%3  Efficiency ratio  64.1%  66.8%  FY 2018 highlights  Key highlights  Financial results  1 Adjusted results are non-GAAP financial measures that adjust GAAP reported net income and other metrics for certain income and expense items as outlined in the non-GAAP reconciliation calculations, using a combined marginal income tax rate of 26.06% excluding one-time items. See “Use of non-GAAP financial measures” and “Reconciliation of non-GAAP financial measures” in the Appendix hereto.2 Includes accretion from acquired / purchased loans and collection of interest income on nonaccrual loans, which resulted in 20 basis points of net interest margin during 2018.3 See “Use of non-GAAP financial measures” and “Reconciliation of non-GAAP financial measures” in the Appendix hereto.  Adjusted diluted EPS1 of $2.61, resulting in adjusted ROAA1 of 1.69% Loans (HFI) grew to $3.7 billion, a 15.8% increase from 4Q 2017Customer deposits grew to $4.1 billion, a 13.7% increase from 4Q 2017Continued customer-focused balance sheet growth resulting in a net interest margin of 4.66% for FY 2018Banking Segment core efficiency ratio1 improved to 53.0% for 2018, down 560 basis points from 2017Mortgage banking income of $100.7 million, a 13.9% decrease from 2017; 2018 total Mortgage adjusted pre-tax contribution1 of $5.0 million, or 4.6% of total adjusted pre-tax contribution1Initiated quarterly dividend in 2Q 2018 at $0.06 per share; have since increased to $0.08 per share$50 million share repurchase plan remains in place  2 

     Consistently delivering balanced profitability and growth  Drivers of profitability  Pro forma return on average assets, adjusted1  Net interest margin  Noninterest income ($mm)      Loans / deposits  1 Pro forma net income and tax-adjusted return on average assets include a pro forma provision for federal income taxes using a combined effective income tax rate of 33.76%, 35.37%, 35.63%, 35.08%, and 36.75% for the years ended December 31, 2012, 2013, 2014, 2015, and 2016, respectively, and also includes the exclusion of a one-time tax charge from C Corp conversion in 3Q 2016 and the 4Q 2017 benefit from the 2017 Tax Cuts and Jobs Act. Non-GAAP financial measures. See “Use of non-GAAP financial measures,” and “Reconciliation of non-GAAP financial measures” in the Appendix hereto.  +114 bps    NPLs (HFI) / loans (HFI) (%)    (371) bps 

 Net interest margin remains strong  Historical yield and costs  1 Includes tax-equivalent adjustment.2 Data for nonaccrual interest collections not available prior to 2016.NM = not meaningful  NIM (%)  3.52%  3.75%   3.93%   3.97%   4.10%   4.46%   4.66%    Impact of accretion and nonaccrual interest collections (%)2   NM  NM  NM  0.01%  0.17%  0.24%  0.20%    Deposit cost (%)   0.78%  0.48%  0.36%  0.30%  0.29%  0.42%  0.76%    Loan (HFI) yield     2016  2017  2018  Contractual interest rate on loans HFI1  4.69%  4.95%  5.42%  Origination and other loan fee income  0.41%  0.32%  0.39%    5.10%  5.27%  5.81%  Nonaccrual interest collections  0.06%  0.14%  0.04%  Accretion on purchased loans  0.20%  0.22%  0.23%  Loan syndication fees  0.05%  0.03%  0.01%  Total loan yield (HFI)  5.41%  5.66%  6.09%         

     Consistent loan growth and balanced portfolio  Total loan growth1 ($mm) and commercial real estate concentration  Loan portfolio breakdown1    4Q 2012  1 Exclude HFS loans; C&I includes owner-occupied CRE; CRE excludes owner-occupied CRE.2 Risk-based capital at FirstBank as defined in Call Report. 2018 calculation is preliminary and subject to change.3 Changed from percentage previously reported in 4Q 2018 earnings release due to post-release reclassification of loans.   Commercial real estate (CRE) concentration2  % of Risk-Based Capital      12/31/17  12/31/18  C&D loans subject to 100% risk-based capital limit  96%  99%  Total CRE loans subject to 300% risk-based capital limit  228%  238%        4Q 2018  Total HFI loans: $3,668 million    3  3  3  3 

   Stable core deposit franchise  Total deposits ($mm)  1 Includes mortgage servicing-related escrow deposits of $45.4 million, $53.7 million and $53.5 million for the years ended December 31, 2016, 2017 and 2018, respectively. There were no mortgage servicing-related escrow deposits prior to those periods.  Noninterest bearing deposits ($mm)1  Deposit composition as of September 30, 2018  Cost of deposits        CAGR 14.8%  CAGR 18.7%      1   

 $ 94.5  $ 103.7  $ 98.1  $ 11.2  $ 3.5  $ (9.3)  $ 12.1   $ 13.2   $ 20.6   $ --  $ (3.5)  $ (8.7)  $117.8  $116.9  $100.7  Total Mortgage pre-tax contribution1 (including retail footprint) of $5.0 million YTD 2018, compared to $18.1 million YTD 2017Total Mortgage adjusted pre-tax contribution1 represents 4.6% of YTD 2018 total Company adjusted pre-tax income1, compared to 19.6% in 2017Mortgage banking income of $100.7 million in 2018, compared to $116.9 million in 2017, a 13.9% decreaseActively reducing operational expenses and repositioning origination channels for projected future volumesVolumes and profitability will adjust similarly to industry volumes  Mortgage operations overview  Highlights    Gain on Sale    Total adjusted pre-tax contribution1 (%)  Mortgage production    Consumer Direct  Correspondent  Third party originated  Retail   Retail footprint            Total Mortgage (including retail footprint)  Banking (excluding retail footprint)        2016   2017  2018    Fair value changes     Fair value MSR change  Mortgage banking income ($mm)    Servicing Revenue  Total Income  Confirm 2017 numbers    Total Mortgage decreased by 11.7 percentage points  $5.97bn  $7.57bn  IRLC volume:  $7.12bn  IRLC pipeline2:  $533mm  $504mm  $319mm  Refinance %:   60%  42%  34%  Purchase %:   40%  58%  66%  1 Non-GAAP financial measure. See “Use of non-GAAP financial measures,” and “Reconciliation of non-GAAP financial measures” in the Appendix hereto. 2 As of the respective period end. 

 Improving operating leverage remains a key objective  Consolidated 2018 core efficiency ratio1 of 64.1% driven by Banking Segment core efficiency ratio1 of 53.0%2018 illustrates solidified operating leverage achieved through organic growth, merger and ongoing cost efficienciesContinued investment in revenue producers, technology and operational capabilities to improve on scalable platformExpect structural and operational changes in Mortgage Segment to improve efficiency ratio in the intermediate term  Core efficiency ratio (tax-equivalent basis)1  Improving operating efficiency  1 Non-GAAP financial measure. See “Use of non-GAAP financial measures,” and “Reconciliation of non-GAAP financial measures” in the Appendix hereto.     

 Asset quality continues to improve    Classified & PCI loans ($mm)2  Net charge-offs (recoveries) / average loans  Nonperforming ratios  LLR / loans            1 Includes acquired excess land and facilities for all periods subsequent to the acquisition of the Clayton Banks and GNMA rebooked loans for the fourth quarter of 2017.2 Classified loan data not available for 2012.    

   Strong capital position for future growth  1 Total regulatory risk based capital, FB Financial Corporation.2 Non-GAAP financial measure. See “Use of non-GAAP financial measures,” and “Reconciliation of non-GAAP financial measures” in the Appendix hereto.  Capital position     12/31/16  12/31/17  12/31/18  Shareholder’s equity / Assets  10.1%  12.6%  13.1%  TCE / TA2  8.7%  9.7%  10.5%  Common equity tier 1 / Risk-weighted assets  11.0%  10.7%  11.7%  Tier 1 capital / Risk-weighted assets  12.2%  11.4%  12.4%  Total capital / Risk-weighted assets  13.0%  12.0%  13.0%  Tier 1 capital / Average assets (Leverage Ratio)  10.1%  10.5%  11.5%      Simple capital structure    Tangible book value per share2  Growth: 47.2% since IPO (September 2016)  Declared quarterly dividend of $0.08 payable February 15, 2018 

 M&A Strategy1  Tuscaloosa Drive time from Nashville 3:30 / Huntsville 2:10Birmingham from Nashville 2:40 / Huntsville 1:30Atlanta 3:30 / Chattanooga 1:40Greenville 5:10 / Chattanooga 3:30 / Knoxville 2:40Asheville 4:20 / Knoxville 1:50Blacksburg 5:50 / Knoxville 3:20Roanoke 6:10 / Knoxville 3:40Bowling Green 1:00Glasgow 1:30  Consolidation strategy across existing and contiguous markets  Actively evaluate desirable opportunities in current and expansion markets, highlighted aboveFinancially attractive (EPS accretion, minimal TBV dilution)Cultural and strategic fitConsolidate across Tennessee as attractive opportunities arisePotential Targets in Current Footprint:22 banks headquartered in TN between $400 million and $750 million in assets10 banks between $750 million and $1 billion11 banks $1 billion to $3 billion in assets  Maintain positive, ongoing dialogue with targets to position ourselves as an option when they are ready to create a partnershipPotential Targets in Highlighted Markets:26 banks headquartered in highlighted MSAs $400 million - $3 billion in assets, 6 of which are greater than $1 billion15 additional banks in Community markets $400 million - $3 billion, 4 of which are greater than $1 billionExisting FirstBank Mortgage offices in Tuscaloosa, Birmingham, Atlanta and Greenville MSAs  Drive Times  Tuscaloosa:Nashville ~3.5 hoursHuntsville ~2 hoursBirmingham:Nashville >3 hoursHuntsville ~1.5 hoursAtlanta:Nashville ~3.5 hoursChattanooga <2 hoursGreenville:Nashville ~5 hoursKnoxville <3 hoursAsheville:Nashville ~4 hoursKnoxville ~2 hours  Atlanta  Birmingham  Tuscaloosa  Greenville  Asheville  BowlingGreen  Glasgow  Clarksville  Kingsport  JohnsonCity  1 See Forward Looking Statements on slide 1. 

    Appendix 

 Reconciliation of non-GAAP financial measures  Pro forma net income, adjusted  Pro forma diluted earnings per share, adjusted  1 2016 includes loss on sale of mortgage servicing rights, impairment of mortgage servicing rights, gain on sales or write-downs of other real estate owned and other assets and gain on sale of securities; 2015 includes bargain purchase gain and gain from securities; 2014 includes gain from securities; 2012 includes gain on sale of securities and loss on sale or write-downs of other real estate.2 The Company terminated its S-Corporation status and became a taxable corporate entity (“C Corporation”) on September 16, 2016 in connection with its initial public offering. Pro forma amounts for income tax expense, adjusted, and diluted earnings per share, adjusted, have been presented assuming the Company’s pro forma effective tax rate of 36.75%, 35.08%, 35.63%, 35.37%, and 33.76% for the years ended December 31, 2016, 2015, 2014, 2013 and 2012, respectively, and also includes the exclusion of a one-time tax change from C Corp conversion in 3Q 2016 and the 4Q 2017 benefit from the 2017 Tax Cuts and Jobs Act. 2018 uses a marginal tax rate on adjustments of 26.06%; 2017 uses a marginal tax rate on adjustments of 39.23%. 

 Reconciliation of non-GAAP financial measures (cont’d)  Tax-equivalent core efficiency ratio  (1) Efficiency ratio (GAAP) is calculated by dividing non-interest expense by total revenue. 

 Reconciliation of non-GAAP financial measures (cont’d)  Segment tax-equivalent core efficiency ratio  1 Includes mortgage segment Other noninterest mortgage banking expense, depreciation, loss on sale of mortgage servicing rights and amortization and impairment of mortgage servicing rights.2 Includes banking segment Other noninterest expense, other noninterest mortgage banking expense, amortization of intangibles and depreciation and amortization. 

 Tangible book value per common share and tangible common equity to tangible assets  Reconciliation of non-GAAP financial measures (cont’d) 

 Reconciliation of non-GAAP financial measures (cont’d)  Return on average tangible common equity  Return on average tangible common equity, adjusted 

 Reconciliation of non-GAAP financial measures (cont’d)  Pro forma return on average assets and equity, adjusted 

 Reconciliation of non-GAAP financial measures (cont’d)  Total mortgage contribution, adjusted