Rank The Banks. Florida 2018 Q2

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1 Rank The Banks Florida 2018 Q2

2 Disclosure Statement This material has been prepared by Banks Street Partners, LLC and its affiliate BSP Securities, LLC (collectively, BSP ) from certain publicly available data and third-party subscriptions. It is not investment research or a research recommendation, as it does not constitute substantive research or analysis. It is provided for informational purposes, intended for your use only, and does not constitute an invitation or offer to subscribe for or purchase any of the products or services mentioned. The information provided is not intended to provide a sufficient basis on which to make an investment decision. The information provided herein is as of the dates disclosed and does not constitute forward looking statements. The conclusions supported by this information is subject to change at any time without notice. BSP may, from time to time, participate or invest in transactions with issuers of securities that participate in the markets referred to herein, perform services for or solicit business from such issuers, and/or have a position or effect transactions in the securities or derivatives thereof. Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, expressed or implied is made regarding future performance. The information set forth above has been obtained from or based upon sources believed by BSP to be reliable, but BSP do not represent or warrant its accuracy or completeness and is not responsible for losses or damages arising out of errors, omissions or changes in market factors. This material does not purport to contain all of the information that an interested party may desire and, in fact, provides only a limited view of a particular market. IRS Circular 230 Disclosure: BSP and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters included herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone not affiliated with BSP of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties. This presentation is not to be considered a solicitation to buy or sell any securities and does not constitute a commitment by any BSP entity to underwrite, subscribe for or place any securities or to arrange credit or to provide any other services. 2

3 Banks Street Partners Professionals Seasoned professionals with more than 190 years of combined experience and more than 500 transactions in the financial services industry ATLANTA CHARLOTTE Lee Burrows Chief Executive Officer (404) Berkeley McKeown Associate (404) Gary McNorrill President (704) Mark Saunders Managing Director (404) Johnny Bond Analyst (404) Andy Hitt Managing Director (919) Jeff Adams Managing Director (404) Asher Kenen Analyst (404) Matt Kennedy Vice President (704) Will Brackett Senior Vice President (404) Nicole Mansfield Business Manager (404) Robby Rucho Analyst (404) Drew Taylor Senior Associate (404) Alison Pickett Executive Assistant (404) Kristen Ertz Project Manager & Human Resources (704)

4 Rankings Per State Bank Listing Company Name - City - Parent Company - Date Established - Number of Offices - Employees - S Corp? - - ROAA - ROAE Top 50 Ranking by City - Employees- Number of Offices - Deposits - Deposits/Office - /Office - Deposits/Employee - /Employee - Net Interest Margin City - - Yield on Loans - Loan Growth Rate - Cost of Funds - Deposit Growth Rate - Loans/Deposits - Yield on Investment Securities (FTE) - Net Interest Margin Noninterest Income City - - Net Income - Service Charge on Deposits/Avg - Gain on Sale of Loans/Avg. - Net Servicing Fees/Avg - Net Gains on OREO/Avg. - Noninterest Income - Noninterest Income/Avg Overhead City - - Efficiency Ratio (FTE) - Employees - Number of Offices - Personnel Expense/Avg. - Occupancy Expense/Avg. - Other Expense/Avg. - Overhead/Avg Asset Quality City - - Gross Loans - LLR/Gross Loans - Adj Loans 30-89PD/Gross Loans - Adj 90+ PD/Gross Loans - Adj NPLs + Adj OREO/Gross Loans - NCO/Avg Loans - Asset Quality Composite ROAE City - - LTM Net Income - Employees - LTM Net Income/Employee 2017Q2 LTM Net Income Q2 LTM Net Income - ROAA - ROAE Overall City - - Net Interest Margin Rank - Noninterest Income Rank - Overhead Rank - Asset Quality Rank - ROAE Rank - Overall Rank 4

5 Excluded Banks & Calculation Notes Excluded Banks: Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which necessary data is not available as of this report Banco Do Brasil Americas Banesco USA Canandaigua National Trust Company of Florida Coastal Community Bank, N.A. Desjardins Bank, N.A. Gulfside Bank MEMBERS Trust Company Mercantil Bank, N.A. Mercantil Trust Company, N.A. Natbank, N.A. Raymond James Trust, N.A. Tarpon Coast Bank TCM Bank, N.A. Winter Park National Bank Calculation Notes: All data in this report is bank level and is as of or for the 12 months ending June 30, 2018 (unless noted otherwise) For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 30% corporate tax rate (The corporate tax rate is calculated using the average of a 35% corporate tax rate for quarters in 2017 and a 25% corporate tax rate for quarters in 2018) Asset quality index is the sum of: (Adjusted Loans PD/Loans) + (Adjusted Loans 90 PD/Loans )+ (Adjusted NPLs/Loans) + (Adjusted OREO/Loans) + (Net Chargeoffs/Avg Loans). Adjustments are made to exclude loans for which repayment of principal is wholly or partially guaranteed by the US government Overall ranking is based on an unweighted average of Net Interest Margin rank, Noninterest Income rank, Overhead rank, Asset Quality rank and ROAE rank As usual, this quarter s BSP Rank The Banks utilizes only reported numbers per call reports filed by the institutions with regulators. LTM figures for some companies in this report may include material one-time charges incurred in the fourth quarter of 2017 primarily related to the change in tax laws 5

6 Florida Bank Listing Company Name City Parent Company Date Established Number of Offices Employees American National Bank Oakland Park ANB Holdings, Inc. 10/15/ No 296, Anchor Commercial Bank Juno Beach 3/23/ No 127, Apollo Bank Miami Apollo Bancshares, Inc. 10/1/ No 656, Axiom Bank, National Association Maitland Axiom Bancshares, Inc. 1/1/ No 599, BAC Florida Bank Coral Gables 10/12/ No 2,168, Bank of Belle Glade Belle Glade Belle Glade Bank Corporation 11/14/ No 109, Bank of Central Florida Lakeland Bank of Central Florida Holding Company 3/19/ No 489, Bank of Pensacola Pensacola Five Flags Banks, Inc. 10/26/ No 83,232 (0.01) (0.11) Bank of Tampa Tampa Tampa Bay Banking Company 3/30/ No 1,650, Bank of the South Pensacola Five Flags Banks, Inc. 5/20/ No 76,076 (0.10) (0.53) BankUnited, National Association Miami Lakes BankUnited, Inc. 5/21/ ,753 No 31,283, Beach Community Bank Fort Walton Beach 4/27/ No 469,949 (1.51) (52.69) Biscayne Bank Coconut Grove Biscayne Bancshares, Inc. 7/5/ No 953, Brannen Bank Inverness Brannen Banks of Florida, Inc. 7/1/ Yes 522, Brickell Bank Miami Banco Espírito Santo SA 9/12/ No 457,890 (0.58) (10.17) Capital City Bank Tallahassee Capital City Bank Group, Inc. 1/1/ No 2,864, CenterState Bank, National Association Winter Haven CenterState Bank Corporation 2/21/ ,685 No 10,523, Central Bank Tampa Central Financial Holdings, Inc. 2/26/ No 149, Century Bank of Florida Tampa Century Bancshares of Florida, Inc. 9/11/ Yes 75, Charlotte State Bank & Trust Port Charlotte Crews Banking Corporation 11/3/ Yes 377, Citizens Bank and Trust Lake Wales Citizens Banking Corporation 5/13/ Yes 658, Citizens Bank of Florida Oviedo Citizens Bancorp of Oviedo, Inc. 7/1/ No 303, Citizens First Bank The Villages Villages Bancorporation, Inc. 7/1/ No 2,085, Citizens State Bank Perry Perry Banking Company, Inc. 7/7/ Yes 270, City National Bank of Florida Miami Inversiones Baquio Ltda 1/1/ No 14,100, Columbia Bank Lake City First Columbia Bancorp, Inc. 2/1/ No 206,059 (0.88) (8.65) Commerce National Bank & Trust Winter Park Commerce National Bankshares of Florida, Inc. 2/3/ Yes 116, Community Bank and Trust of Florida Ocala Florida Community Bankshares, Inc. 4/2/ No 706, Community Bank of the South Merritt Island CBOS Bankshares, Inc. 11/29/ No 141, Community State Bank Starke Community State Bank Corporation 3/19/ No 108, Continental National Bank Miami 5/10/ No 489,891 (0.71) (8.73) Drummond Community Bank Chiefland Drummond Banking Company 1/12/ No 518, Eastern National Bank Miami 9/3/ No 435,861 (0.12) (1.38) Edison National Bank Fort Myers Edison Bancshares, Inc. 8/29/ Yes 329, Englewood Bank & Trust Englewood Crews Banking Corporation 4/4/ Yes 296, Executive National Bank Miami Executive Banking Corporation 6/2/ No 428, Farmers & Merchants Bank Monticello FMB Banking Corporation 1/5/ Yes 476, Fidelity Bank of Florida, National Association Merritt Island 11/26/ No 172,644 (1.04) (5.87) FineMark National Bank & Trust Fort Myers FineMark Holdings, Inc. 2/16/ No 1,735, First Bank Clewiston Pioneer Bankcorp, Inc. 1/8/ No 351, First Bank of the Palm Beaches West Palm Beach 3/6/ No 165, First Citrus Bank Tampa First Citrus Bancorporation, Inc. 2/1/ No 372, First City Bank of Florida Fort Walton Beach Florida First City Banks, Inc. 11/17/ No 175,661 (0.78) (29.54) First Colony Bank of Florida Maitland 1/28/ Yes 207, First Federal Bank Lake City First Federal Bancorp, MHC 1/1/ No 1,899, S Corp (Yes/No) ROAA ROAE 6

7 Florida Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees First Florida Bank Destin First Florida Bancorp, Inc. 11/27/ No 430, First Florida Integrity Bank Naples TGR Financial, Inc. 12/3/ No 1,342, First Green Bank Orlando First Green Bancorp, Inc. 2/17/ No 791, First Home Bank Seminole First Home Bancorp, Inc. 2/12/ No 321, First National Bank Northwest Florida Panama City First Northwest Florida Holding Company 5/5/ Yes 137, First National Bank of Mount Dora Mount Dora FNBMD Bancshares, Inc. 9/1/ No 239, First National Bank of Pasco Dade City Florida Bancshares, Inc. 11/3/ No 166,027 (0.30) (3.06) First National Bank of South Miami South Miami First Miami Bancorp, Inc. 4/3/ No 704, First National Bank of Wauchula Wauchula First Hardee Holding Corporation 1/12/ Yes 73, First State Bank of Arcadia Arcadia Crews Banking Corporation 7/17/ Yes 143, First State Bank of the Florida Keys Key West First State Bank of the Florida Keys Holding Company 10/29/ Yes 913, FirstCity Bank of Commerce Palm Beach Gardens 8/27/ No 96, Flagler Bank West Palm Beach Flagler Bancshares Corporation 4/10/ Yes 274, Flagship Community Bank Clearwater 1/23/ No 126, Florida Business Bank Melbourne Reserve Financial Associates, LLC 3/15/ No 125, Florida Capital Bank, N.A. Jacksonville Florida Capital Group, Inc. 8/12/ No 369, Florida Community Bank, National Association Weston FCB Financial Holdings, Inc. 1/22/ No 12,004, FNBT Bank Fort Walton Beach Southern National Banks, Inc. 4/9/ Yes 436, Freedom Bank Saint Petersburg Fourth Street Banking Company 4/4/ No 265, Friends Bank New Smyrna Beach 5/15/ No 98, Grove Bank & Trust Miami Coconut Grove Bankshares, Inc. 7/12/ No 636, Heartland National Bank Sebring Heartland Bancshares, Inc. 9/7/ No 392, Helm Bank USA Miami 12/8/ No 815, Hillsboro Bank Plant City 7/6/ No 142, Home Federal Bank of Hollywood Hallandale Beach 9/8/ No 51,682 (1.75) (10.01) Interamerican Bank, A FSB Miami 8/23/ No 206, Intercontinental Bank West Miami Intercontinental Bankshares, LLC 6/21/ No 153, Intercredit Bank, National Association Miami 7/2/ No 373, International Finance Bank Miami 1/1/ No 513, Intracoastal Bank Palm Coast Intracoastal Bancorp, Inc. 6/16/ Yes 321, Lafayette State Bank Mayo 4/2/ No 91, Legacy Bank of Florida Boca Raton 5/15/ No 394, Madison County Community Bank Madison Madison Community Bancshares Corporation 5/5/ No 128, Mainstreet Community Bank of Florida Deland 10/24/ Yes 399, Marine Bank & Trust Company Vero Beach Marine Bancorp of Florida, Inc. 7/1/ No 268, Marquis Bank Coral Gables Marquis Bancorp, Inc. 8/13/ No 612, Ocean Bank Miami Ocean Bankshares, Inc. 12/9/ No 3,767, Oculina Bank Vero Beach Oculina Banc Corp. 1/2/ No 358, One South Bank Chipley One South Financial, Inc. 10/29/ Yes 46, OptimumBank Plantation OptimumBank Holdings, Inc. 11/1/ No 90, Pacific National Bank Miami 8/6/ No 454, Paradise Bank Boca Raton Paradise Bancorp, Inc. 7/25/ Yes 320, Peoples Bank of Graceville Graceville PBG Financial Services, Inc. 7/12/ Yes 84, Peoples National Bank Niceville Bankshares Corporation of Niceville 6/16/ No 100, Peoples State Bank Lake City PSB BancGroup, Inc. 4/28/ No 86, S Corp (Yes/No) ROAA ROAE 7

8 Florida Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees Pilot Bank Tampa Pilot Bancshares, Inc. 9/4/ No 332,934 (0.36) (3.38) Pinnacle Bank Orange City Pinnacle Bank Holding Company, Inc. 9/10/ No 88, Plus International Bank Miami 9/14/ No 81,832 (0.32) (1.82) Preferred Community Bank Fort Myers 4/16/ No 115, Prime Meridian Bank Tallahassee Prime Meridian Holding Company 2/4/ No 380, Professional Bank Coral Gables Professional Holding Corp. 9/8/ No 634, Raymond James Bank, National Association Saint Petersburg Raymond James Financial, Inc. 5/7/ No 22,987, Sabal Palm Bank Sarasota Sabal Palm Bancorp, Inc. 10/10/ No 194,097 (0.03) (0.26) Sanibel Captiva Community Bank Sanibel 1/21/ No 418, Seacoast National Bank Stuart Seacoast Banking Corporation of Florida 10/2/ No 5,923, Seaside National Bank & Trust Orlando Three Shores Bancorporation, Inc. 10/31/ No 1,821, Summit Bank, National Association Panama City Summit Financial Enterprises, Inc. 4/8/ No 447, Sunrise Bank Cocoa Beach Sunrise Bancshares, Inc. 8/1/ Yes 205, Sunstate Bank Miami 3/15/ No 250, Surety Bank Deland 1/1/ Yes 123, Terrabank, N.A. Miami 11/21/ No 400, TIAA, FSB Jacksonville TIAA 10/1/ ,413 No 34,447, TransCapital Bank Sunrise 7/26/ Yes 200, U.S. Century Bank Doral 10/28/ No 1,177, United Southern Bank Umatilla UniSouth, Inc. 3/1/ No 525, Warrington Bank Pensacola Five Flags Banks, Inc. 3/18/ No 86, Wauchula State Bank Wauchula Crews Banking Corporation 4/1/ Yes 667, S Corp (Yes/No) ROAA ROAE 8

9 Florida Asset Ranking Rank Company Name City Employees Number of Offices 9 Deposits Deposits / Office / Office Deposits / Employee / Employee 1 TIAA, FSB Jacksonville 3, ,135,237 1,927,936 2,870,657 6,779 10,093 34,447,886 2 BankUnited, National Association Miami Lakes 1, ,445, , ,037 12,804 17,846 31,283,407 3 Raymond James Bank, National Association Saint Petersburg ,653,510 19,653,510 22,987,118 82,578 96,585 22,987,118 4 City National Bank of Florida Miami ,911, , ,457 12,442 16,078 14,100,092 5 Florida Community Bank, National Association Weston ,863, , ,085 13,347 16,244 12,004,272 6 CenterState Bank, National Association Winter Haven 1, ,225,185 76,871 98,352 4,881 6,245 10,523,619 7 Seacoast National Bank Stuart ,698,091 92, ,145 5,688 7,171 5,923,415 8 Ocean Bank Miami ,243, , ,386 4,600 5,344 3,767,715 9 Capital City Bank Tallahassee ,492,199 37,761 43,396 3,245 3,729 2,864, BAC Florida Bank Coral Gables ,799,383 1,799,383 2,168,394 10,109 12,182 2,168, Citizens First Bank The Villages ,749, , ,788 5,700 6,793 2,085, First Federal Bank Lake City ,556,405 62,256 75,983 1,910 2,331 1,899, Seaside National Bank & Trust Orlando ,468, , ,099 9,790 12,143 1,821, FineMark National Bank & Trust Fort Myers ,438, , ,531 8,081 9,752 1,735, Bank of Tampa Tampa ,473, , ,519 5,849 6,549 1,650, First Florida Integrity Bank Naples ,121, , ,794 7,684 9,196 1,342, U.S. Century Bank Doral ,022 73,540 90,564 5,401 6,652 1,177, Biscayne Bank Coconut Grove , , ,792 8,458 10, , First State Bank of the Florida Keys Key West ,284 60,524 76,098 3,991 5, , Helm Bank USA Miami , , ,940 5,502 6, , First Green Bank Orlando ,367 95, ,078 6,518 7, , Community Bank and Trust of Florida Ocala ,478 58,771 64,203 4,898 5, , First National Bank of South Miami South Miami , , ,893 4,927 5, , Wauchula State Bank Wauchula ,488 83,498 95,318 3,653 4, , Citizens Bank and Trust Lake Wales ,150 44,550 50,628 3,761 4, , Apollo Bank Miami , , ,396 6,312 7, , Grove Bank & Trust Miami , , ,385 5,108 6, , Professional Bank Coral Gables , , ,429 5,452 6, , Marquis Bank Coral Gables , , ,372 8,177 9, , Axiom Bank, National Association Maitland ,802 18,832 23,997 2,478 3, , United Southern Bank Umatilla ,530 36,656 40,409 3,156 3, , Brannen Bank Inverness ,166 40,931 43,578 4,678 4, , Drummond Community Bank Chiefland ,348 30,023 34,561 2,697 3, , International Finance Bank Miami , , ,939 5,582 6, , Continental National Bank Miami ,607 88,521 97,978 3,849 4, , Bank of Central Florida Lakeland , , ,003 7,978 8, , Farmers & Merchants Bank Monticello ,635 70,273 79,439 4,392 4, , Beach Community Bank Fort Walton Beach ,468 35,861 42,723 3,522 4, , Brickell Bank Miami , , ,890 4,985 6, , Pacific National Bank Miami , , ,458 4,762 6, , Summit Bank, National Association Panama City ,778 92, ,772 7,130 8, , FNBT Bank Fort Walton Beach ,917 35,292 43,629 3,795 4, , Eastern National Bank Miami ,595 70,119 87,172 3,614 4, , First Florida Bank Destin ,136 63,023 71,671 4,975 5, , Executive National Bank Miami , , ,906 4,666 5, , Sanibel Captiva Community Bank Sanibel ,578 53,225 59,838 4,186 4, , Terrabank, N.A. Miami , , ,641 3,827 4, , Mainstreet Community Bank of Florida Deland ,052 61,342 66,627 4,330 4, , Legacy Bank of Florida Boca Raton ,907 58,781 78,895 5,878 7, , Heartland National Bank Sebring ,586 88,397 98,189 6,203 6, ,756

10 Florida Net Interest Margin Ranking Rank Company Name City Yield on Loans 10 Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) 1 Lafayette State Bank Mayo 91, Fidelity Bank of Florida, National Association Merritt Island 172, (1.61) Sanibel Captiva Community Bank Sanibel 418, One South Bank Chipley 46, (7.89) 0.77 (0.91) Paradise Bank Boca Raton 320, Citizens State Bank Perry 270, (1.78) Drummond Community Bank Chiefland 518, Wauchula State Bank Wauchula 667, (2.39) Florida Business Bank Melbourne 125, CenterState Bank, National Association Winter Haven 10,523, First National Bank of Wauchula Wauchula 73, (0.82) 0.45 (2.49) First Bank of the Palm Beaches West Palm Beach 165, Freedom Bank Saint Petersburg 265, First Colony Bank of Florida Maitland 207, Peoples State Bank Lake City 86, First Home Bank Seminole 321, Mainstreet Community Bank of Florida Deland 399, Surety Bank Deland 123, Community State Bank Starke 108, American National Bank Oakland Park 296, (3.07) Commerce National Bank & Trust Winter Park 116, Peoples National Bank Niceville 100, (0.75) First Green Bank Orlando 791, Sunrise Bank Cocoa Beach 205, Axiom Bank, National Association Maitland 599, Ocean Bank Miami 3,767, Hillsboro Bank Plant City 142, First Bank Clewiston 351, First State Bank of Arcadia Arcadia 143, (1.44) Century Bank of Florida Tampa 75, (0.63) Plus International Bank Miami 81, (1.22) Interamerican Bank, A FSB Miami 206, (0.91) 0.44 (1.45) Sabal Palm Bank Sarasota 194, Friends Bank New Smyrna Beach 98, Flagler Bank West Palm Beach 274, Apollo Bank Miami 656, International Finance Bank Miami 513, Farmers & Merchants Bank Monticello 476, Flagship Community Bank Clearwater 126, (4.00) First Citrus Bank Tampa 372, Central Bank Tampa 149, First National Bank of Pasco Dade City 166, Intracoastal Bank Palm Coast 321, Preferred Community Bank Fort Myers 115, Englewood Bank & Trust Englewood 296, Seacoast National Bank Stuart 5,923, Citizens Bank of Florida Oviedo 303, Prime Meridian Bank Tallahassee 380, Marquis Bank Coral Gables 612, Continental National Bank Miami 489, Net Interest Margin

11 Florida Noninterest Income Ranking Rank Company Name City Net Income 11 Service Charges on Deposits/ Avg Gain on Sale of Loans/ Avg Net Servicing Fees/ Avg Net Gains on OREO/ Avg Noninterest Income 1 First Home Bank Seminole 321,041 6, , Florida Capital Bank, N.A. Jacksonville 369,728 1, (0.02) 19, Commerce National Bank & Trust Winter Park 116,751 2, , Surety Bank Deland 123,317 2, , First National Bank of Mount Dora Mount Dora 239,982 2, , First Federal Bank Lake City 1,899,582 22, (0.01) 31, Central Bank Tampa 149,522 1, , Capital City Bank Tallahassee 2,864,143 20, (0.03) 49, Charlotte State Bank & Trust Port Charlotte 377,042 8, , Lafayette State Bank Mayo 91, (0.11) 1, Paradise Bank Boca Raton 320,642 7, , Grove Bank & Trust Miami 636,927 1, , Axiom Bank, National Association Maitland 599, , FNBT Bank Fort Walton Beach 436,287 3, (0.03) 4, TIAA, FSB Jacksonville 34,447, , , FineMark National Bank & Trust Fort Myers 1,735,908 13, , Citizens Bank and Trust Lake Wales 658,162 5, , Drummond Community Bank Chiefland 518,411 7, , Home Federal Bank of Hollywood Hallandale Beach 51,682 (816) (0.01) Community State Bank Starke 108, First Florida Bank Destin 430,026 4, , CenterState Bank, National Association Winter Haven 10,523,619 91, , Citizens First Bank The Villages 2,085,456 29, , Peoples State Bank Lake City 86, First Bank Clewiston 351,698 2, , Seacoast National Bank Stuart 5,923,415 54, , Englewood Bank & Trust Englewood 296,588 6, , Summit Bank, National Association Panama City 447,089 4, , United Southern Bank Umatilla 525,314 3, , Oculina Bank Vero Beach 358,563 3, , Preferred Community Bank Fort Myers 115, Terrabank, N.A. Miami 400,923 1, , Ocean Bank Miami 3,767,715 20, , First City Bank of Florida Fort Walton Beach 175,661 (1,462) (0.13) 1, Sunstate Bank Miami 250, , Community Bank and Trust of Florida Ocala 706,234 5, , Bank of Tampa Tampa 1,650,232 14, , Helm Bank USA Miami 815,940 2, , BAC Florida Bank Coral Gables 2,168,394 22, (0.01) 12, Sanibel Captiva Community Bank Sanibel 418,866 6, , Madison County Community Bank Madison 128, (0.08) Brickell Bank Miami 457,890 (2,808) , Farmers & Merchants Bank Monticello 476,634 5, , First State Bank of Arcadia Arcadia 143,165 1, Beach Community Bank Fort Walton Beach 469,949 (7,398) (0.91) 2, First Green Bank Orlando 791,548 7, , First Citrus Bank Tampa 372,954 3, (0.02) 1, One South Bank Chipley 46, First National Bank of Wauchula Wauchula 73, TransCapital Bank Sunrise 200,610 5, NonInterest Income/ Avg

12 Florida Overhead Ranking Rank Company Name City Efficiency Ratio (FTE) 12 Employees Number of Offices Personnel Expense/ Avg. Occupancy Expense/ Avg. Other Expense/ Avg. 1 Raymond James Bank, National Association Saint Petersburg 22,987, Florida Community Bank, National Association Weston 12,004, Citizens First Bank The Villages 2,085, Biscayne Bank Coconut Grove 953, City National Bank of Florida Miami 14,100, TransCapital Bank Sunrise 200, BAC Florida Bank Coral Gables 2,168, Hillsboro Bank Plant City 142, Bank of Central Florida Lakeland 489, Heartland National Bank Sebring 392, Peoples Bank of Graceville Graceville 84, Bank of Belle Glade Belle Glade 109, Seaside National Bank & Trust Orlando 1,821, Intracoastal Bank Palm Coast 321, Flagler Bank West Palm Beach 274, Intercontinental Bank West Miami 153, Marquis Bank Coral Gables 612, BankUnited, National Association Miami Lakes 31,283, , First Colony Bank of Florida Maitland 207, American National Bank Oakland Park 296, Brannen Bank Inverness 522, Community Bank of the South Merritt Island 141, First Florida Integrity Bank Naples 1,342, Warrington Bank Pensacola 86, Oculina Bank Vero Beach 358, First National Bank Northwest Florida Panama City 137, Summit Bank, National Association Panama City 447, Edison National Bank Fort Myers 329, Legacy Bank of Florida Boca Raton 394, Pacific National Bank Miami 454, Englewood Bank & Trust Englewood 296, Prime Meridian Bank Tallahassee 380, Community Bank and Trust of Florida Ocala 706, Bank of the South Pensacola 76, First State Bank of the Florida Keys Key West 913, Wauchula State Bank Wauchula 667, First National Bank of South Miami South Miami 704, Madison County Community Bank Madison 128, Florida Business Bank Melbourne 125, Pinnacle Bank Orange City 88, Seacoast National Bank Stuart 5,923, First Green Bank Orlando 791, FineMark National Bank & Trust Fort Myers 1,735, Freedom Bank Saint Petersburg 265, Bank of Pensacola Pensacola 83, Bank of Tampa Tampa 1,650, Apollo Bank Miami 656, Citizens State Bank Perry 270, First Florida Bank Destin 430, Sanibel Captiva Community Bank Sanibel 418, Overhead/ Avg.

13 Florida Asset Quality Ranking Rank Company Name City Gross Loans 13 Loan Loss Reserves/ Gross Loans Adj 30-89PD/ Gross Loans Adj 90+PD/ Gross Loans Adj NPLs + Adj OREO/ Gross Loans Net Chargeoffs/ Avg Loans 1 Florida Business Bank Melbourne 125,078 89, (0.70) (0.61) 2 Edison National Bank Fort Myers 329, , (0.04) (0.04) 3 Terrabank, N.A. Miami 400, , (0.04) (0.02) 4 Sabal Palm Bank Sarasota 194, , (0.02) (0.02) 5 Bank of Pensacola Pensacola 83,232 35, Preferred Community Bank Fort Myers 115,897 83, Warrington Bank Pensacola 86,078 26, First National Bank Northwest Florida Panama City 137,007 66, Bank of the South Pensacola 76,076 23, American National Bank Oakland Park 296, , Community Bank and Trust of Florida Ocala 706, , (0.33) First Florida Integrity Bank Naples 1,342,561 1,008, (0.02) Professional Bank Coral Gables 634, , First Green Bank Orlando 791, , Bank of Central Florida Lakeland 489, , FineMark National Bank & Trust Fort Myers 1,735,908 1,279, Oculina Bank Vero Beach 358, , Intracoastal Bank Palm Coast 321, , Freedom Bank Saint Petersburg 265, , Executive National Bank Miami 428, , (0.10) Hillsboro Bank Plant City 142,637 91, Legacy Bank of Florida Boca Raton 394, , Raymond James Bank, National Association Saint Petersburg 22,987,118 19,183, Biscayne Bank Coconut Grove 953, , Seaside National Bank & Trust Orlando 1,821,385 1,348, Commerce National Bank & Trust Winter Park 116,751 87, (0.47) Prime Meridian Bank Tallahassee 380, , Florida Community Bank, National Association Weston 12,004,272 8,923, Paradise Bank Boca Raton 320, , (0.04) Pacific National Bank Miami 454, , Sanibel Captiva Community Bank Sanibel 418, , City National Bank of Florida Miami 14,100,092 10,044, Marquis Bank Coral Gables 612, , Heartland National Bank Sebring 392, , (0.06) Intercontinental Bank West Miami 153,275 79, (0.19) First Florida Bank Destin 430, , Marine Bank & Trust Company Vero Beach 268, , Apollo Bank Miami 656, , (0.02) International Finance Bank Miami 513, , (0.10) U.S. Century Bank Doral 1,177, , (0.06) Sunrise Bank Cocoa Beach 205, , (0.22) First Bank of the Palm Beaches West Palm Beach 165, , CenterState Bank, National Association Winter Haven 10,523,619 7,076, (0.02) Continental National Bank Miami 489, , OptimumBank Plantation 90,576 72, (0.14) Grove Bank & Trust Miami 636, , (0.05) First Citrus Bank Tampa 372, , First National Bank of South Miami South Miami 704, , Charlotte State Bank & Trust Port Charlotte 377, , (0.25) Central Bank Tampa 149, , Asset Quality Composite

14 Florida Return on Average Equity Ranking Rank Company Name City LTM Net Income 14 Employees LTM Net Income / Employee 2017Q2 LTM Net Income 2016Q2 LTM Net Income 1 U.S. Century Bank Doral 1,177,329 27, ,925 1, Sanibel Captiva Community Bank Sanibel 418,866 6, ,612 3, OptimumBank Plantation 90,576 2, BankUnited, National Association Miami Lakes 31,283, ,494 1, , , Charlotte State Bank & Trust Port Charlotte 377,042 8, ,206 5, Brannen Bank Inverness 522,935 8, ,046 6, Englewood Bank & Trust Englewood 296,588 6, ,626 3, First Home Bank Seminole 321,041 6, ,389 3, Raymond James Bank, National Association Saint Petersburg 22,987, , , , , Biscayne Bank Coconut Grove 953,961 11, ,181 8, Paradise Bank Boca Raton 320,642 7, ,754 5, Flagler Bank West Palm Beach 274,398 5, ,306 4, Pinnacle Bank Orange City 88, (105) (497) Citizens First Bank The Villages 2,085,456 29, ,726 20, First Colony Bank of Florida Maitland 207,638 4, ,647 3, Intracoastal Bank Palm Coast 321,641 5, ,843 3, Hillsboro Bank Plant City 142,637 2, ,537 1, Florida Business Bank Melbourne 125,078 2, , Central Bank Tampa 149,522 1, ,631 1, Commerce National Bank & Trust Winter Park 116,751 2, ,459 1, BAC Florida Bank Coral Gables 2,168,394 22, ,173 12, Wauchula State Bank Wauchula 667,229 13, ,951 12, First Federal Bank Lake City 1,899,582 22, ,245 13, Bank of Central Florida Lakeland 489,009 4, ,937 2, Florida Community Bank, National Association Weston 12,004, , ,760 95, Oculina Bank Vero Beach 358,563 3, ,274 1, Drummond Community Bank Chiefland 518,411 7, ,563 5, Surety Bank Deland 123,317 2, ,449 1, Prime Meridian Bank Tallahassee 380,911 3, ,805 2, TransCapital Bank Sunrise 200,610 5, ,673 3, Bank of Tampa Tampa 1,650,232 14, ,023 12, First State Bank of the Florida Keys Key West 913,174 12, ,222 10, First Citrus Bank Tampa 372,954 3, , Marquis Bank Coral Gables 612,744 5, ,567 2, Heartland National Bank Sebring 392,756 3, ,651 2, FineMark National Bank & Trust Fort Myers 1,735,908 13, ,008 7, Mainstreet Community Bank of Florida Deland 399,762 4, ,578 2, First Bank Clewiston 351,698 2, ,327 2, Community Bank and Trust of Florida Ocala 706,234 5, ,209 4, First Green Bank Orlando 791,548 7, ,362 2, Seaside National Bank & Trust Orlando 1,821,385 12, ,659 7, Freedom Bank Saint Petersburg 265,449 2, ,349 1, Citizens State Bank Perry 270,758 3, ,668 2, Citizens Bank and Trust Lake Wales 658,162 5, ,316 4, First Florida Bank Destin 430,026 4, ,135 3, Summit Bank, National Association Panama City 447,089 4, ,655 2, First Florida Integrity Bank Naples 1,342,561 10, ,834 5, Apollo Bank Miami 656,980 5, ,817 3, Edison National Bank Fort Myers 329,152 2, ,077 1, Friends Bank New Smyrna Beach 98, ROAA ROAE

15 Florida Overall Ranking Rank Company Name City Net Interest Margin Rank 15 Noninterest Income Rank Overhead Rank 1 Sanibel Captiva Community Bank Sanibel 418, Paradise Bank Boca Raton 320, Englewood Bank & Trust Englewood 296, First Green Bank Orlando 791, Hillsboro Bank Plant City 142, Florida Business Bank Melbourne 125, Oculina Bank Vero Beach 358, Commerce National Bank & Trust Winter Park 116, CenterState Bank, National Association Winter Haven 10,523, Charlotte State Bank & Trust Port Charlotte 377, Central Bank Tampa 149, Biscayne Bank Coconut Grove 953, Freedom Bank Saint Petersburg 265, Prime Meridian Bank Tallahassee 380, First Home Bank Seminole 321, Intracoastal Bank Palm Coast 321, Citizens First Bank The Villages 2,085, American National Bank Oakland Park 296, Community Bank and Trust of Florida Ocala 706, Drummond Community Bank Chiefland 518, BankUnited, National Association Miami Lakes 31,283, First Colony Bank of Florida Maitland 207, Summit Bank, National Association Panama City 447, First Florida Bank Destin 430, FineMark National Bank & Trust Fort Myers 1,735, TransCapital Bank Sunrise 200, First Citrus Bank Tampa 372, Flagler Bank West Palm Beach 274, Preferred Community Bank Fort Myers 115, Wauchula State Bank Wauchula 667, Florida Community Bank, National Association Weston 12,004, Seaside National Bank & Trust Orlando 1,821, Marquis Bank Coral Gables 612, Brannen Bank Inverness 522, Seacoast National Bank Stuart 5,923, Bank of Tampa Tampa 1,650, Mainstreet Community Bank of Florida Deland 399, Raymond James Bank, National Association Saint Petersburg 22,987, First Federal Bank Lake City 1,899, Apollo Bank Miami 656, Bank of Central Florida Lakeland 489, BAC Florida Bank Coral Gables 2,168, Surety Bank Deland 123, U.S. Century Bank Doral 1,177, First Florida Integrity Bank Naples 1,342, Heartland National Bank Sebring 392, Edison National Bank Fort Myers 329, Ocean Bank Miami 3,767, First Bank Clewiston 351, Executive National Bank Miami 428, Asset Quality Rank ROAE Rank Overall Rank

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