Rank the Banks Report Florida. Second Quarter 2014

Transcription

1 Report Second Quarter 2014

2 Report - Second Quarter 2014 Table of Contents: 1) Bank Listing (page 1-5) Company name Parent Company Date Established Number of Offices Employees S Corp ROAA ROAE 2) by (6-10) Leverage Ratio Tier 1 Risk-based Ratio Deposits Deposits/ Office / Employees Salary Expense/ Employees 3) by Net Interest Margin (11-14) Yield on Loans Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Security (FTE) Net Interest Margin 4) by Noninterest Income (15-18) Net Income Service Charges on Deposits/ Average Gain on Sale of Loans/ Average Servicing Fees/ Average Net Gains on OREO/ Average Noninterest Income Noninterest Income/ Average 5) by Overhead (19-22) Efficiency Ratio (FTE) Employees Number of Offices Personnel Expense/ Average Occupancy Expense/ Average Other Expense/ Average Overhead/ Average 6) by Asset Quality (23-26) Gross Loans Loan Loss Reserves/ Gross Loans Adj. Loans Days PD/ Loans Adj. 90 Days PD/ Loans Adj. NPLs + Adj OREO/Loans Net Chargeoffs/ Average Loans Asset Quality Composite 7) by ROAE (27-31) LTM Net Income/ Employee LTM Net Income 13Q2 LTM Net Income 12Q2 LTM Net Income ROAA ROAE 8) Overall (32-36) Net Interest Margin Noninterest Income Overhead Asset Quality ROAE Overall 1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA (404) (phone) / (404) (fax) Belief Strength Purpose

3 Excluded Banks: Report - Second Quarter 2014 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 AmericasCanandaigua Canandaigua National Trust Company of National Bank of Desjardins Bank, National Association Espirito Santo Bank MEMBERS Trust Company Mercantil Commercebank Trust Company, National Association Calculation Notes: Mercantil Commercebank, National Association Natbank, National Association Pacific National Bank Raymond James Trust, National Association Sabadell United Bank, N.A. Bank All data in this report is bank-level and is as of or for the last twelve months ending June 30, Asset quality index is based on the sum of: Adjusted Loans PD/Loans + Adjusted Loans 90 PD/Loans + Adjusted NPLs + Adjusted OREO/Loans + Net Chargeoffs/Avg Loans. Overall ranking is based on an unweighted average of NIM ranking, Noninterest Income ranking, Overhead ranking, Asset Quality rankings and ROAE ranking West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA (404) (phone) / (404) (fax) Belief Strength Purpose

4 Report - Second Quarter 2014 Banks Street Partners Team BSP Services BSP Downloads Lee Burrows - lburrows@banksstreetpartners.com Gary McNorrill - gmcnorrill@banksstreetpartners.com Mark Saunders - msaunders@banksstreetpartners.com Jeff Adams - jadams@banksstreetpartners.com Will Brackett - wbrackett@banksstreetpartners.com Joe Maloney jmaloney@banksstreetpartners.com Matt Kennedy mkennedy@banksstreetpartners.com William Izlar wizlar@banksstreetpartners.com Mergers and Acquisitions Branch Sales and Purchases Capital Raising Initiatives Subordinated Debt Offerings (retail and institutional) Failed Bank Acquisitions 363 Bankruptcy Transactions Strategic Planning Valuations and Fairness Opinions Board and Management Consulting Financial Modeling Disposition of Distressed TARP/Preferred Stock and SBLF Repayment Plans Share Repurchase Plans and Modified Dutch Auctions Southeastern Publicly Traded Data Southeastern M&A Bank Data Quarterly Texas Ratio Analysis Visit to access and download all available material 1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA (404) (phone) / (404) (fax) Belief Strength Purpose

5 - Bank Listing Company Name Parent Company Date Established Number of Offices Employees S Corp (Yes/No) ROAA ROAE 1st Manatee Bank Parrish 11/13/ No 105, st National Bank of South Homestead Hometown of Homestead Banking Company 11/1/ No 318, st United Bank Boca Raton 1st United Bancorp, Inc. 4/20/ No 1,695, Alarion Bank Ocala Alarion Financial Services, Inc. 2/28/ No 282, American Enterprise Bank of Jacksonville American Enterprise Bankshares, Inc. 2/23/ No 201, American National Bank Oakland Park ANB Holdings, Inc. 10/15/ No 255, Anchor Commercial Bank Juno Beach 3/23/ No 105, Apollo Bank Miami Apollo Bancshares, Inc. 10/1/ No 296, Atlantic Coast Bank Jacksonville Atlantic Coast Financial Corporation 3/27/ No 711, BAC Bank Coral Gables 10/12/ No 1,492, Banesco USA Coral Gables 1/10/ No 864, Bank of Belle Glade Belle Glade Belle Glade Bank Corporation 11/14/ No 90, Bank of Central Lakeland 3/19/ No 346, Bank of Commerce Sarasota Bank of Commerce Holdings, Inc. 9/1/ No 212, Bank of Coral Gables Coral Gables 6/5/ No 98, Bank of Pensacola Pensacola Five Flags Banks, Inc. 10/26/ No 64, Bank of Tampa Tampa Tampa Bay Banking Company 3/30/ No 1,319, Bank of the South Pensacola Five Flags Banks, Inc. 5/20/ No 75, BankFIRST Winter Park CapGen Capital Group LP 7/19/ No 685, BankUnited, National Association Miami Lakes BankUnited, Inc. 5/21/ ,626 No 16,858, Bay Cities Bank Tampa Business BancGroup, Inc. 11/10/ No 536, Beach Community Bank Fort Walton Beach Beach Community Bancshares, Inc. 4/27/ No 569, Biscayne Bank Coconut Grove Biscayne Bancshares, Inc. 7/5/ No 398, Brannen Bank Inverness Brannen Banks of, Inc. 7/1/ Yes 425, Broward Bank of Commerce Fort Lauderdale Broward Financial Holdings, Inc. 1/12/ No 168, C1 Bank Saint Petersburg C1 Financial, Inc. 11/17/ No 1,449, Calusa Bank Punta Gorda Calusa Financial Corporation, Inc. 4/23/ No 163, Capital Bank, National Association Coral Gables Capital Bank Financial Corp. 7/17/ ,515 No 6,625, Capital Bank Tallahassee Capital Bank Group, Inc. 6/13/ No 2,549, CBC National Bank Fernandina Beach Coastal Banking Company, Inc. 1/1/ No 442, CenterState Bank of, National Association Winter Haven CenterState Banks, Inc. 2/21/ No 3,888, Central Bank Tampa Central Financial Holdings, Inc. 2/26/ No 80, Century Bank of Tampa Century Bancshares of, Inc. 9/11/ Yes 72, Charlotte State Bank & Trust Port Charlotte Crews Banking Corporation 11/3/ Yes 276, Citizens Bank and Trust Lake Wales Citizens Banking Corporation 5/13/ Yes 453, Citizens Bank of Oviedo Citizens Bancorp of Oviedo, Inc. 7/1/ No 230, Citizens First Bank The Villages Villages Bancorporation, Inc. 7/1/ No 1,627, Citizens State Bank Perry Perry Banking Company, Inc. 7/7/ Yes 221, CNLBank Orlando CNLBancshares, Inc. 7/28/ No 1,275, Coconut Grove Bank Miami Coconut Grove Bankshares, Inc. 7/12/ No 611, Columbia Bank Lake First Columbia Bancorp, Inc. 2/1/ Yes 185, Commerce National Bank & Trust Winter Park Commerce National Bankshares of, Inc. 2/3/ Yes 80, Community Bank and Trust of Ocala Community Bankshares, Inc. 4/2/ No 620, of 36

6 - Bank Listing Company Name Parent Company Date Established Number of Offices Employees S Corp (Yes/No) ROAA ROAE Community Bank of Broward Dania Beach 1/22/ No 487, Community Bank of, Inc. Homestead Community Bank of South, Inc. 10/9/ No 487, Community Bank of the South Merritt Island CBOS Bankshares, Inc. 11/29/ No 142, Community Southern Bank Lakeland Community Southern Holdings, Inc. 8/28/ No 244, Community State Bank Starke Community State Bank Corporation 3/19/ Yes 61, Continental National Bank Miami Continental Bancorp 5/10/ No 364, Cornerstone Community Bank Saint Petersburg Cornerstone Bancorp, Inc. 3/15/ No 222, Drummond Community Bank Chiefland Drummond Banking Company 1/12/ Yes 369, Eastern National Bank Miami 9/3/ No 379, Edison National Bank Fort Myers Edison Bancshares, Inc. 8/29/ Yes 248, Encore Bank, National Association Naples Ovation Holdings, Inc. 6/4/ No 341, Englewood Bank & Trust Englewood Crews Banking Corporation 4/4/ Yes 210, EverBank Jacksonville EverBank Financial Corp 10/1/ ,156 No 19,749, Executive National Bank Miami Executive Banking Corporation 6/2/ No 340, Farmers & Merchants Bank Monticello FMB Banking Corporation 1/5/ Yes 417, Fidelity Bank of, National Association Merritt Island 11/26/ No 262, FineMark National Bank & Trust Fort Myers FineMark Holdings, Inc. 2/16/ No 767, First America Bank Bradenton First America Holdings Corporation 6/1/ No 265, First Avenue National Bank Ocala 11/16/ No 95, First Bank Clewiston Pioneer Bankcorp, Inc. 1/8/ No 269, First Bank of the Palm Beaches West Palm Beach 3/6/ No 94, First Citrus Bank Tampa First Citrus Bancorporation, Inc. 2/1/ No 234, First Bank of Fort Walton Beach First Banks, Inc. 11/17/ No 225, First Colony Bank of Maitland 1/28/ Yes 155, First Federal Bank of Lake First Federal Bancorp, MHC 1/1/ No 1,036, First Bank Destin First Bancorp, Inc. 11/27/ No 270, First Integrity Bank Naples TGR Financial, Inc. 12/3/ No 875, First Green Bank Mount Dora First Green Bancorp, Inc. 2/17/ No 287, First Home Bank Seminole First Home Bancorp, Inc. 2/12/ Yes 76, First National Bank Northwest Panama First Northwest Holding Company 5/3/ Yes 106, First National Bank of Crestview Crestview FNBC Financial Corporation 2/8/ Yes 83, First National Bank of Mount Dora Mount Dora 9/1/ No 203, First National Bank of Pasco Dade Bancshares, Inc. 11/3/ No 143, First National Bank of South Miami South Miami First Miami Bancorp, Inc. 4/3/ No 558, First National Bank of Wauchula Wauchula First Hardee Holding Corporation 1/12/ Yes 78, First State Bank of Arcadia Arcadia Crews Banking Corporation 7/17/ Yes 142, First State Bank of the Keys Key West First State Bank of the Keys Holding Company 10/29/ Yes 792, FirstAtlantic Bank Jacksonville FirstAtlantic Financial Holdings, Inc. 11/1/ No 388, First Bank of Commerce Palm Beach Gardens 8/27/ Yes 60, Flagler Bank West Palm Beach 4/10/ Yes 163, Flagship Community Bank Clearwater 1/23/ No 94, Bank Tampa Bank Group, Inc. 7/3/ No 523, Bank of Commerce Orlando FBC Bancorp, Inc. 12/12/ No 241, of 36

7 - Bank Listing Company Name Parent Company Date Established Number of Offices Employees S Corp (Yes/No) ROAA ROAE Business Bank Melbourne Reserve Financial Associates, LLC 3/15/ No 107, Capital Bank, N.A. Jacksonville Capital Group, Inc. 8/12/ No 399, Citizens Bank Gainesville OGS Investments, Inc. 12/23/ Yes 240, Community Bank, National Association Weston FCB Financial Holdings, Inc. 1/22/ No 5,568, Floridian Bank Daytona Beach Floridian Financial Group, Inc. 3/20/ No 388, Floridian Community Bank, Inc. Davie Floridian Community Holdings, Inc. 3/10/ No 310, FNBT.Com Bank Fort Walton Beach Southern National Banks, Inc. 4/9/ Yes 375, Freedom Bank of America Saint Petersburg 4/4/ No 111, Friends Bank New Smyrna Beach 5/15/ No 99, Gateway Bank of Central Ocala Gateway Financial Holdings of, Inc. 5/29/ No 187, Gateway Bank of Daytona Beach Gateway Financial Holdings of, Inc. 1/26/ No 254, Gateway Bank of Southwest Sarasota Gateway Financial Holdings of, Inc. 5/19/ No 225, Gibraltar Private Bank & Trust Co. Coral Gables 1/1/ No 1,571, Grand Bank & Trust of West Palm Beach Grand Bankshares, Inc. 2/1/ No 211, Gulf Coast Community Bank Pensacola 7/3/ No 150, GulfShore Bank Tampa Validus Holdings, LLLP 8/22/ No 262, Harbor Community Bank Indiantown HCBF Holding Company, Inc. 1/23/ No 694, Heartland National Bank Sebring Heartland Bancshares, Inc. 9/7/ No 309, Helm Bank USA Miami 12/8/ No 778, Highlands Independent Bank Sebring Highlands Independent Bancshares, Inc. 11/1/ No 251, Hillsboro Bank Plant 7/6/ No 117, Home Federal Bank of Hollywood Hallandale Beach Home Bancgroup, Inc. 9/8/ No 48, HomeBanc National Association Lake Mary HomeBancorp, Inc. 4/23/ No 856, Independent Bankers' Bank of Lake Mary Bankers' Bancorporation of, Inc. 8/5/ No 168, Insignia Bank Sarasota 10/16/ No 171, Interamerican Bank, A FSB Miami 8/23/ No 222, Intercontinental Bank West Miami Intercontinental Bankshares, LLC 6/21/ No 155, Intercredit Bank, NA Miami 7/2/ No 313, International Finance Bank Miami 1/1/ No 357, Intracoastal Bank Palm Coast 6/16/ Yes 228, Jacksonville Bank Jacksonville Jacksonville Bancorp, Inc. 5/28/ No 493, Jefferson Bank of Oldsmar Jefferson Bankshares, Inc. 12/3/ No 208, Lafayette State Bank Mayo 4/2/ No 101, Landmark Bank, National Association Fort Lauderdale Giant Holdings, Inc. 8/10/ No 365, Legacy Bank of Boca Raton 5/15/ No 254, Mackinac Savings Bank, FSB Boynton Beach 7/15/ Yes 111, Madison County Community Bank Madison Madison Community Bancshares Corporation 5/5/ No 108, Mainstreet Community Bank of Deland 10/24/ Yes 249, Marine Bank & Trust Company Vero Beach 7/1/ No 151, Marquis Bank Coral Gables 8/13/ No 252, Merchants & Southern Bank Gainesville Merchants & Southern Banks of, Inc. 11/25/ Yes 416, Nature Coast Bank Hernando 3/7/ No 57, New Traditions Bank Orlando Old Bancshares, Inc. 8/25/ No 518, of 36

8 - Bank Listing Company Name Parent Company Date Established Number of Offices Employees S Corp (Yes/No) ROAA ROAE NorthStar Bank Tampa NorthStar Banking Corporation 8/6/ No 208, Ocean Bank Miami Ocean Bankshares, Inc. 12/9/ No 3,273, Oculina Bank Fort Pierce Colonial Banc Corp. 1/2/ No 170, Old Bank Orlando Old Bancshares, Inc. 12/15/ No 833, One South Bank Chipley One South Financial, Inc. 10/29/ Yes 38, OptimumBank Plantation OptimumBank Holdings, Inc. 11/1/ No 128, Palm Beach Community Bank West Palm Beach 4/7/ Yes 250, Paradise Bank Boca Raton 7/25/ Yes 311, Patriot Bank Trinity 10/22/ No 125, Peoples Bank of Graceville Graceville PBG Financial Services, Inc. 7/12/ Yes 84, Peoples National Bank Niceville Bankshares Corporation of Niceville 6/16/ No 115, Peoples State Bank Lake PSB BancGroup, Inc. 4/28/ No 70, Pilot Bank Tampa Pilot Bancshares, Inc. 9/4/ No 216, Pinnacle Bank Orange Pinnacle Bank Holding Company, Inc. 9/10/ No 167, Platinum Bank Brandon Platinum Bank Holding Company 12/8/ Yes 462, Plus International Bank Miami 9/14/ No 97, Preferred Community Bank Fort Myers 4/16/ No 88, Prime Meridian Bank Tallahassee Prime Meridian Holding Company 2/4/ No 206, ProBank Tallahassee Pro Financial Holdings, Inc. 9/5/ No 50, Professional Bank Coral Gables Professional Holding Corp. 9/8/ No 246, Raymond James Bank, National Association Saint Petersburg Raymond James Financial, Inc. 5/7/ No 12,141, Regent Bank Davie Regent Bancorp, Inc. 7/11/ No 357, Reunion Bank of Tavares 10/6/ No 260, Sabal Palm Bank Sarasota 10/10/ No 103, Sanibel Captiva Community Bank Sanibel 1/21/ No 254, Seacoast National Bank Stuart Seacoast Banking Corporation of 10/2/ No 2,291, Seaside National Bank & Trust Orlando Three Shores Bancorporation, Inc. 10/31/ No 1,020, SouthBank, A Federal Savings Bank Palm Beach GardensCommonwealth Savingshares Corporation 10/8/ Yes 22, Southern Commerce Bank, National Association Tampa Dickinson Financial Corporation II 6/8/ No 75, Stonegate Bank Pompano Beach 3/7/ No 1,657, Summit Bank, National Association Panama Summit Financial Enterprises, Inc. 4/8/ No 295, Sunrise Bank Cocoa Beach 8/1/ No 111, Sunshine Savings Bank Tallahassee Sunshine Financial, Inc. 1/1/ No 148, Sunshine State Bank Plant Sunshine Bancorp, Inc. 11/26/ No 311, Sunstate Bank Miami 3/15/ No 165, Surety Bank Deland 1/1/ Yes 97, TCM Bank, National Association Tampa Independent Community Bankers of America 5/18/ No 176, Terrabank, N.A. Miami 11/21/ No 277, TransCapital Bank Sunrise 7/26/ Yes 166, U.S. Century Bank Doral 10/28/ No 853, United Legacy Bank Longwood United Group Banking Company of, Inc. 12/28/ No 233, United Southern Bank Umatilla UniSouth, Inc. 3/1/ No 403, Urban Trust Bank Lake Mary Urban Trust Holdings, Inc. 1/1/ No 617, of 36

9 - Bank Listing Company Name Parent Company Date Established Number of Offices Employees S Corp (Yes/No) ROAA ROAE USAmeriBank Clearwater USAmeriBancorp, Inc. 2/12/ No 2,985, Warrington Bank Pensacola Five Flags Banks, Inc. 1/1/ No 82, Wauchula State Bank Wauchula Crews Banking Corporation 4/1/ Yes 601, of 36

10 - Company Name Leverage Ratio Tier 1 Riskbased Ratio Deposits Deposits/ Office / Employees Salary Exp/ Employees 1 EverBank Jacksonville ,958, ,598 6, ,749,765 2 BankUnited, National Association Miami Lakes ,245, ,443 10, ,858,264 3 Raymond James Bank, National Association Saint Petersburg ,276,342 10,276,342 71, ,141,114 4 Capital Bank, National Association Coral Gables ,205,707 31,742 4, ,625,503 5 Community Bank, National Association Weston ,966,466 69,587 8, ,568,445 6 CenterState Bank of, National Association Winter Haven ,307,445 48,639 4, ,888,623 7 Ocean Bank Miami ,860, ,236 4, ,273,128 8 USAmeriBank Clearwater ,456,461 87,731 6, ,985,572 9 Capital Bank Tallahassee ,125,183 29,932 2, ,549, Seacoast National Bank Stuart ,806,459 51,613 4, ,291, st United Bank Boca Raton ,407,395 63,973 5, ,695, Stonegate Bank Pompano Beach ,414,721 74,459 8, ,657, Citizens First Bank The Villages ,393, ,681 8, ,627, Gibraltar Private Bank & Trust Co. Coral Gables ,224, ,054 5, ,571, BAC Bank Coral Gables ,167,958 1,167,958 9, ,492, C1 Bank Saint Petersburg ,135,451 40,552 6, ,449, Bank of Tampa Tampa ,209, ,957 6, ,319, CNLBank Orlando ,026,614 64,163 7, ,275, First Federal Bank of Lake ,906 42,545 3, ,036, Seaside National Bank & Trust Orlando ,189 67,630 6, ,020, First Integrity Bank Naples ,309 81,289 6, , Banesco USA Coral Gables , ,964 3, , HomeBanc National Association Lake Mary ,942 48,534 8, , U.S. Century Bank Doral ,509 34,432 3, , Old Bank Orlando ,103 67,646 4, , First State Bank of the Keys Key West ,741 46,728 4, , Helm Bank USA Miami , ,559 6, , FineMark National Bank & Trust Fort Myers ,869 77,359 7, , Atlantic Coast Bank Jacksonville ,487 37,207 4, , Harbor Community Bank Indiantown ,977 33,175 3, , BankFIRST Winter Park ,901 43,075 5, , Community Bank and Trust of Ocala ,747 50,341 5, , Urban Trust Bank Lake Mary ,658 21,257 4, , Coconut Grove Bank Miami ,056 99,811 6, , Wauchula State Bank Wauchula ,364 87,227 4, , Beach Community Bank Fort Walton Beach ,011 45,910 4, , First National Bank of South Miami South Miami ,700 90,340 6, , Bay Cities Bank Tampa ,460 90,692 6, , Bank Tampa ,777 31,214 4, , New Traditions Bank Orlando , ,891 11, , Jacksonville Bank Jacksonville ,820 46,980 4, , Community Bank of, Inc. Homestead ,671 40,152 3, , Community Bank of Broward Dania Beach ,317 46,591 5, ,470 6 of 36

11 - Company Name Leverage Ratio Tier 1 Riskbased Ratio Deposits Deposits/ Office / Employees Salary Exp/ Employees 44 Platinum Bank Brandon ,059 53,723 4, , Citizens Bank and Trust Lake Wales ,346 32,196 3, , CBC National Bank Fernandina Beach ,398 73,100 1, , Brannen Bank Inverness ,985 32,665 3, , Farmers & Merchants Bank Monticello ,620 57,937 4, , Merchants & Southern Bank Gainesville ,493 25,269 3, , United Southern Bank Umatilla ,294 27,484 3, , Capital Bank, N.A. Jacksonville ,089 69,018 2, , Biscayne Bank Coconut Grove , ,432 8, , FirstAtlantic Bank Jacksonville ,250 40,906 4, , Floridian Bank Daytona Beach ,044 36,338 4, , Eastern National Bank Miami ,157 64,431 4, , FNBT.Com Bank Fort Walton Beach ,225 27,839 3, , Drummond Community Bank Chiefland ,138 28,376 3, , Landmark Bank, National Association Fort Lauderdale ,845 57,569 8, , Continental National Bank Miami ,811 46,116 3, , International Finance Bank Miami ,548 78,137 4, , Regent Bank Davie ,164 63,833 3, , Bank of Central Lakeland ,459 76,115 6, , Encore Bank, National Association Naples ,357 49,226 6, , Executive National Bank Miami ,791 72,698 4, , st National Bank of South Homestead ,742 36,820 3, , Intercredit Bank, NA Miami ,968 46,594 3, , Sunshine State Bank Plant ,907 33,181 5, , Paradise Bank Boca Raton ,973 93,324 6, , Floridian Community Bank, Inc. Davie ,460 59,865 5, , Heartland National Bank Sebring ,510 69,378 5, , Apollo Bank Miami ,813 32,477 5, , Summit Bank, National Association Panama ,074 81,025 7, , First Green Bank Mount Dora ,012 50,602 4, , Alarion Bank Ocala ,198 39,533 3, , Terrabank, N.A. Miami ,594 80,531 3, , Charlotte State Bank & Trust Port Charlotte ,007 49,601 3, , First Bank Destin ,166 60,292 5, , First Bank Clewiston ,956 48,991 3, , First America Bank Bradenton ,993 44,399 4, , GulfShore Bank Tampa , ,622 6, , Fidelity Bank of, National Association Merritt Island ,748 90,874 6, , Reunion Bank of Tavares ,806 58,952 5, , American National Bank Oakland Park , ,975 6, , Gateway Bank of Daytona Beach ,815 76,272 7, , Sanibel Captiva Community Bank Sanibel ,722 71,574 5, , Legacy Bank of Boca Raton ,971 45,794 5, ,336 7 of 36

12 - Company Name Leverage Ratio Tier 1 Riskbased Ratio Deposits Deposits/ Office / Employees Salary Exp/ Employees 87 Marquis Bank Coral Gables , ,228 7, , Highlands Independent Bank Sebring ,251 39,209 3, , Palm Beach Community Bank West Palm Beach ,250 35,042 5, , Mainstreet Community Bank of Deland ,358 54,840 4, , Edison National Bank Fort Myers ,919 54,230 6, , Professional Bank Coral Gables , ,695 7, , Community Southern Bank Lakeland ,482 63,827 5, , Bank of Commerce Orlando ,986 35,331 4, , Citizens Bank Gainesville ,963 31,280 2, , First Citrus Bank Tampa ,142 37,028 3, , United Legacy Bank Longwood ,930 40,586 6, , Citizens Bank of Oviedo ,637 50,909 4, , Intracoastal Bank Palm Coast , ,897 9, , First Bank of Fort Walton Beach ,965 52,491 3, , Gateway Bank of Southwest Sarasota ,910 67,637 5, , Cornerstone Community Bank Saint Petersburg ,557 32,426 4, , Interamerican Bank, A FSB Miami ,515 39,303 3, , Citizens State Bank Perry ,156 50,289 4, , Pilot Bank Tampa ,618 36,724 4, , Bank of Commerce Sarasota ,072 57,357 6, , Grand Bank & Trust of West Palm Beach ,970 62,657 4, , Englewood Bank & Trust Englewood ,123 47,781 4, , Jefferson Bank of Oldsmar ,865 39,966 4, , NorthStar Bank Tampa ,893 67,947 6, , Prime Meridian Bank Tallahassee ,187 92,094 4, , First National Bank of Mount Dora Mount Dora ,879 33,576 2, , American Enterprise Bank of Jacksonville ,160 89,080 4, , Gateway Bank of Central Ocala ,171 47,724 4, , Columbia Bank Lake ,110 39,028 3, , TCM Bank, National Association Tampa , ,918 3, , Insignia Bank Sarasota ,577 69,789 3, , Oculina Bank Fort Pierce ,605 18,076 3, , Independent Bankers' Bank of Lake Mary , ,126 5, , Broward Bank of Commerce Fort Lauderdale ,689 72,345 6, , Pinnacle Bank Orange ,871 72,436 6, , TransCapital Bank Sunrise ,179 47,060 6, , Sunstate Bank Miami ,243 47,414 4, , Flagler Bank West Palm Beach ,322 70,161 7, , Calusa Bank Punta Gorda ,965 44,322 4, , First Colony Bank of Maitland , ,069 9, , Intercontinental Bank West Miami , ,986 7, , Marine Bank & Trust Company Vero Beach ,871 68,436 4, , Gulf Coast Community Bank Pensacola ,392 26,678 3, ,124 8 of 36

13 - Company Name Leverage Ratio Tier 1 Riskbased Ratio Deposits Deposits/ Office / Employees Salary Exp/ Employees 130 Sunshine Savings Bank Tallahassee ,501 21,250 2, , First National Bank of Pasco Dade ,849 42,616 4, , First State Bank of Arcadia Arcadia ,775 61,388 3, , Community Bank of the South Merritt Island ,196 39,732 6, , OptimumBank Plantation ,842 32,281 7, , Patriot Bank Trinity ,395 27,099 5, , Hillsboro Bank Plant ,839 50,920 5, , Peoples National Bank Niceville ,991 35,330 3, , Freedom Bank of America Saint Petersburg ,452 30,151 4, , Sunrise Bank Cocoa Beach ,058 48,029 4, , Mackinac Savings Bank, FSB Boynton Beach ,618 33,873 2, , Madison County Community Bank Madison ,961 99,961 4, , Business Bank Melbourne ,529 92,529 6, , First National Bank Northwest Panama ,637 45,819 3, , Anchor Commercial Bank Juno Beach ,635 47,318 4, , st Manatee Bank Parrish ,566 30,189 3, , Sabal Palm Bank Sarasota ,110 44,555 4, , Lafayette State Bank Mayo ,143 23,036 3, , Friends Bank New Smyrna Beach ,771 30,924 3, , Bank of Coral Gables Coral Gables ,085 92,085 4, , Surety Bank Deland ,881 43,441 3, , Plus International Bank Miami ,437 83,437 5, , First Avenue National Bank Ocala ,127 39,564 3, , First Bank of the Palm Beaches West Palm Beach ,303 80,303 4, , Flagship Community Bank Clearwater ,505 38,253 3, , Bank of Belle Glade Belle Glade ,508 82,508 5, , Preferred Community Bank Fort Myers ,635 25,212 3, , Peoples Bank of Graceville Graceville ,870 72,870 5, , First National Bank of Crestview Crestview ,868 26,956 2, , Warrington Bank Pensacola ,885 33,943 4, , Central Bank Tampa ,263 66,263 3, , Commerce National Bank & Trust Winter Park ,657 68,657 2, , First National Bank of Wauchula Wauchula ,414 69,414 2, , First Home Bank Seminole ,104 32,052 3, , Bank of the South Pensacola ,403 30,702 3, , Southern Commerce Bank, National Association Tampa ,809 6,226 2, , Century Bank of Tampa ,907 53,907 5, , Peoples State Bank Lake ,545 31,773 3, , Bank of Pensacola Pensacola ,626 26,313 4, , Community State Bank Starke ,987 26,994 2, , First Bank of Commerce Palm Beach Garden ,311 49,311 4, , Nature Coast Bank Hernando ,413 25,207 3, , ProBank Tallahassee ,027 22,514 3, ,818 9 of 36

14 - Company Name Leverage Ratio Tier 1 Riskbased Ratio Deposits Deposits/ Office / Employees Salary Exp/ Employees 173 Home Federal Bank of Hollywood Hallandale Beach ,131 38,131 2, , One South Bank Chipley ,963 29,963 4, , SouthBank, A Federal Savings Bank Palm Beach Garden ,828 20,828 5, , of 36

15 - Net Interest Margin Company Name Yield on Loans Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) Net Interest Margin 1 TCM Bank, National Association Tampa 176, Citizens State Bank Perry 221, BankUnited, National Association Miami Lakes 16,858, st United Bank Boca Raton 1,695, Lafayette State Bank Mayo 101, Floridian Bank Daytona Beach 388, FirstAtlantic Bank Jacksonville 388, Drummond Community Bank Chiefland 369, Home Federal Bank of Hollywood Hallandale Beach 48, NA Plus International Bank Miami 97, CenterState Bank of, National Association Winter Haven 3,888, First Green Bank Mount Dora 287, Capital Bank, National Association Coral Gables 6,625, C1 Bank Saint Petersburg 1,449, NM Harbor Community Bank Indiantown 694, st Manatee Bank Parrish 105, Palm Beach Community Bank West Palm Beach 250, Wauchula State Bank Wauchula 601, First Citrus Bank Tampa 234, Patriot Bank Trinity 125, Summit Bank, National Association Panama 295, First National Bank of Wauchula Wauchula 78, BankFIRST Winter Park 685, First Avenue National Bank Ocala 95, Bank of Commerce Orlando 241, Banesco USA Coral Gables 864, First Bank Clewiston 269, Freedom Bank of America Saint Petersburg 111, First Home Bank Seminole 76, Old Bank Orlando 833, Peoples State Bank Lake 70, Sanibel Captiva Community Bank Sanibel 254, Gulf Coast Community Bank Pensacola 150, One South Bank Chipley 38, Community State Bank Starke 61, Preferred Community Bank Fort Myers 88, Sunshine Savings Bank Tallahassee 148, OptimumBank Plantation 128, Mainstreet Community Bank of Deland 249, Community Bank of Broward Dania Beach 487, Nature Coast Bank Hernando 57, Biscayne Bank Coconut Grove 398, Landmark Bank, National Association Fort Lauderdale 365, Apollo Bank Miami 296, CBC National Bank Fernandina Beach 442, Broward Bank of Commerce Fort Lauderdale 168, Citizens Bank and Trust Lake Wales 453, Sunrise Bank Cocoa Beach 111, of 36

16 - Net Interest Margin Company Name Yield on Loans Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) Net Interest Margin 48 Calusa Bank Punta Gorda 163, First Federal Bank of Lake 1,036, Central Bank Tampa 80, Flagship Community Bank Clearwater 94, NA Bay Cities Bank Tampa 536, First Bank of Commerce Palm Beach Garden 60, Regent Bank Davie 357, First State Bank of Arcadia Arcadia 142, Insignia Bank Sarasota 171, Jacksonville Bank Jacksonville 493, Farmers & Merchants Bank Monticello 417, Platinum Bank Brandon 462, Surety Bank Deland 97, Community Bank of, Inc. Homestead 487, Helm Bank USA Miami 778, First National Bank of Mount Dora Mount Dora 203, Urban Trust Bank Lake Mary 617, Gateway Bank of Central Ocala 187, Peoples National Bank Niceville 115, First Bank of the Palm Beaches West Palm Beach 94, Paradise Bank Boca Raton 311, Ocean Bank Miami 3,273, United Southern Bank Umatilla 403, Executive National Bank Miami 340, Cornerstone Community Bank Saint Petersburg 222, USAmeriBank Clearwater 2,985, Flagler Bank West Palm Beach 163, International Finance Bank Miami 357, Reunion Bank of Tavares 260, Marine Bank & Trust Company Vero Beach 151, American National Bank Oakland Park 255, First Colony Bank of Maitland 155, Continental National Bank Miami 364, Commerce National Bank & Trust Winter Park 80, Interamerican Bank, A FSB Miami 222, TransCapital Bank Sunrise 166, Stonegate Bank Pompano Beach 1,657, First Bank Destin 270, Oculina Bank Fort Pierce 170, Citizens Bank of Oviedo 230, Bank Tampa 523, United Legacy Bank Longwood 233, Grand Bank & Trust of West Palm Beach 211, Sabal Palm Bank Sarasota 103, Prime Meridian Bank Tallahassee 206, Anchor Commercial Bank Juno Beach 105, Pilot Bank Tampa 216, Community Bank, National Association Weston 5,568, of 36

17 - Net Interest Margin Company Name Yield on Loans Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) Net Interest Margin 94 Bank of Central Lakeland 346, Fidelity Bank of, National Association Merritt Island 262, First National Bank of Pasco Dade 143, Terrabank, N.A. Miami 277, U.S. Century Bank Doral 853, Charlotte State Bank & Trust Port Charlotte 276, Englewood Bank & Trust Englewood 210, Intracoastal Bank Palm Coast 228, GulfShore Bank Tampa 262, Capital Bank Tallahassee 2,549, Eastern National Bank Miami 379, ProBank Tallahassee 50, Floridian Community Bank, Inc. Davie 310, Business Bank Melbourne 107, Legacy Bank of Boca Raton 254, American Enterprise Bank of Jacksonville 201, Professional Bank Coral Gables 246, EverBank Jacksonville 19,749, First America Bank Bradenton 265, Century Bank of Tampa 72, Alarion Bank Ocala 282, First Integrity Bank Naples 875, Citizens Bank Gainesville 240, Merchants & Southern Bank Gainesville 416, Marquis Bank Coral Gables 252, Community Southern Bank Lakeland 244, Brannen Bank Inverness 425, Heartland National Bank Sebring 309, Highlands Independent Bank Sebring 251, Bank of Tampa Tampa 1,319, CNLBank Orlando 1,275, Jefferson Bank of Oldsmar 208, Gateway Bank of Southwest Sarasota 225, Friends Bank New Smyrna Beach 99, Seacoast National Bank Stuart 2,291, First National Bank Northwest Panama 106, Sunshine State Bank Plant 311, Intercredit Bank, NA Miami 313, st National Bank of South Homestead 318, Sunstate Bank Miami 165, Hillsboro Bank Plant 117, Community Bank and Trust of Ocala 620, Gibraltar Private Bank & Trust Co. Coral Gables 1,571, Seaside National Bank & Trust Orlando 1,020, NorthStar Bank Tampa 208, Encore Bank, National Association Naples 341, Madison County Community Bank Madison 108, Bank of Commerce Sarasota 212, of 36

18 - Net Interest Margin Company Name Yield on Loans Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) Net Interest Margin 145 First Bank of Fort Walton Beach 225, Raymond James Bank, National Association Saint Petersburg 12,141, Columbia Bank Lake 185, First National Bank of Crestview Crestview 83, Peoples Bank of Graceville Graceville 84, FNBT.Com Bank Fort Walton Beach 375, New Traditions Bank Orlando 518, First State Bank of the Keys Key West 792, Capital Bank, N.A. Jacksonville 399, BAC Bank Coral Gables 1,492, Edison National Bank Fort Myers 248, Bank of Coral Gables Coral Gables 98, FineMark National Bank & Trust Fort Myers 767, Pinnacle Bank Orange 167, First National Bank of South Miami South Miami 558, Community Bank of the South Merritt Island 142, Beach Community Bank Fort Walton Beach 569, Citizens First Bank The Villages 1,627, Warrington Bank Pensacola 82, Atlantic Coast Bank Jacksonville 711, HomeBanc National Association Lake Mary 856, Gateway Bank of Daytona Beach 254, Bank of the South Pensacola 75, Bank of Belle Glade Belle Glade 90, Coconut Grove Bank Miami 611, Mackinac Savings Bank, FSB Boynton Beach 111, NA Southern Commerce Bank, National Association Tampa 75, Bank of Pensacola Pensacola 64, Intercontinental Bank West Miami 155, Independent Bankers' Bank of Lake Mary 168, SouthBank, A Federal Savings Bank Palm Beach Garden 22, of 36

19 - Noninterest Income Company Name Net Income Service Charges on Deposits / Avg Gain on Sale of Loans/ Avg Asset Net Servicing Fees/ Avg Net Gains on OREO/ Avg Noninterest Income NonInterest Income/ Avg 1 Coconut Grove Bank Miami 611,178 25, , TCM Bank, National Association Tampa 176,084 3, , CBC National Bank Fernandina Beach 442, , Southern Commerce Bank, National Association Tampa 75,457 11, , Commerce National Bank & Trust Winter Park 80, , Mackinac Savings Bank, FSB Boynton Beach 111, , Independent Bankers' Bank of Lake Mary 168,925-4, , Capital Bank, N.A. Jacksonville 399,114-11, , FNBT.Com Bank Fort Walton Beach 375,680 3, , EverBank Jacksonville 19,749, , , Capital Bank Tallahassee 2,549,198 10, , HomeBanc National Association Lake Mary 856,283 3, , First National Bank of Mount Dora Mount Dora 203,812 1, , First Federal Bank of Lake 1,036,084 9, , st Manatee Bank Parrish 105,684 1, , C1 Bank Saint Petersburg 1,449,214 14, , Charlotte State Bank & Trust Port Charlotte 276,609 2, , Alarion Bank Ocala 282, , Community State Bank Starke 61, Sunshine Savings Bank Tallahassee 148, , Harbor Community Bank Indiantown 694,523 3, , FineMark National Bank & Trust Fort Myers 767,526 1, , Summit Bank, National Association Panama 295,003 2, , Oculina Bank Fort Pierce 170, , Paradise Bank Boca Raton 311,645 5, , Beach Community Bank Fort Walton Beach 569,486-2, , Drummond Community Bank Chiefland 369,826 4, , Seacoast National Bank Stuart 2,291,658 51, , Citizens Bank and Trust Lake Wales 453,558 3, , First Bank Destin 270,353 2, , Intercontinental Bank West Miami 155, , Intercredit Bank, NA Miami 313,500-1, , First Bank Clewiston 269,360 1, , Helm Bank USA Miami 778,231 10, , Urban Trust Bank Lake Mary 617,161 4, , USAmeriBank Clearwater 2,985,572 37, , Community Bank of, Inc. Homestead 487,709 1, , First Home Bank Seminole 76, United Southern Bank Umatilla 403,564 1, , OptimumBank Plantation 128,168-4, , Continental National Bank Miami 364,384 1, , Gateway Bank of Daytona Beach 254,918 1, , Gulf Coast Community Bank Pensacola 150, , First Bank of Fort Walton Beach 225, , Banesco USA Coral Gables 864,076 2, , Englewood Bank & Trust Englewood 210,702 1, , Regent Bank Davie 357,033-13, , of 36