Rank the Banks Report Florida. Fourth Quarter 2014

Transcription

1 Report Fourth Quarter 2014

2 Table of Contents: 1) Bank Listing (Page 5-8) Report - Company Name - City - Parent Company - Date Established - Number of Offices - Total Employees - S corp? - - ROAA - ROAE 2) Ranking by - Top 50 (Page 9) City - Total Employees- Number of Offices - Total Deposits - Deposits/Office - Assets/Office - Deposits/Employee - Assets/Employee - Total Assets 3) Ranking by Net Interest Margin - Top 50 (Page 10) City - - Yield on Loans - Loan Growth Rate - Cost of Funds - Deposit Growth Rate - Loans/Deposits - Yield on Investment Securities (FTE) - Net Interest Margin 4) Ranking by Noninterest Income - Top 50 (Page 11) City - - Net Income - Service Charge on Deposits/Avg Assets - Gain on Sale of Loans/Avg. Assets - Net Servicing Fees/Avg Assets - Net Gains on OREO/Avg. Assets - Total Noninterest Income - Noninterest Income/Avg Assets 5) Ranking by Total Overhead - Top 50 (Page 12) City - - Efficiency Ratio (FTE) - Total Employees - Number of Offices - Personnel Expense/Avg. Assets - Occupancy Expense/Avg. Assets - Other Expense/Avg. Assets - Total Overhead/Avg Assets 6) Ranking by Asset Quality - Top 50 (Page 13) 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 7) Ranking by ROAE - Top 50 (Page 14) City - - LTM Net Income - Total Employees - LTM Net Income/Employee Q4 LTM Net Income Q4 LTM Net Income - ROAA - ROAE 8) Overall Ranking - Top 50 (Page 15) City - - Net Interest Margin - Noninterest Income - Total Overhead - Asset Quality - ROAE - Overall Ranking Belief Strength Purpose

3 Belief Strength Purpose Excluded Banks: Report - 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. Canandaigua National Trust Company of Banco Do Brasil Americas MEMBERS Trust Company Mercantil Commercebank Trust Company, National Association Desjardins Bank, National Association Natbank, National Association Raymond James Trust, National Association Calculation Notes: All data in this report is bank-level and is as of or for the twelve months ending December 31, For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 34% corporate tax rates on net income 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 rank, Noninterest Income rank, Total Overhead rank, Asset Quality rank and ROAE rank Belief Strength Purpose

4 Belief Strength Purpose Report - 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 Julian LeCraw jlecraw@banksstreetpartners.com Mergers and Acquisitions Capital Raising Initiatives Branch Sales and Purchases Failed Bank Acquisitions 363 Bankruptcy Transactions Strategic Planning Valuations and Fairness Opinions Board and Management Consulting Financial Modeling Disposition of Distressed Assets 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 p-downloads/ to access and download all available material 1380 West Paces Ferry Rd. NW Suite 2060 Atlanta, GA (404) // 200 Providence Road, Suite 210 Charlotte, NC (704) Belief Strength Purpose

5 Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) 1st Manatee Bank Parrish 11/13/ No 117, st National Bank of South Homestead Hometown of Homestead Banking Company 11/01/ No 318, American Enterprise Bank of Jacksonville American Enterprise Bankshares, Inc. 02/23/ No 198, American National Bank Oakland Park ANB Holdings, Inc. 10/15/ No 266, Anchor Commercial Bank Juno Beach 03/23/ No 102, Apollo Bank Miami Apollo Bancshares, Inc. 10/01/ No 463, Atlantic Coast Bank Jacksonville Atlantic Coast Financial Corporation 03/27/ No 708, Axiom Bank Maitland Axiom Bancshares, Inc. 01/01/ No 657, BAC Bank Coral Gables 10/12/ No 1,611, Banesco USA Coral Gables 01/10/ No 920, Bank of Belle Glade Belle Glade Belle Glade Bank Corporation 11/14/ No 93, Bank of Central Lakeland 03/19/ No 362, Bank of Commerce Sarasota Bank of Commerce Holdings, Inc. 09/01/ No 212, Bank of Pensacola Pensacola Five Flags Banks, Inc. 10/26/ No 68, Bank of Tampa Tampa Tampa Bay Banking Company 03/30/ No 1,296, Bank of the South Pensacola Five Flags Banks, Inc. 05/20/ No 70, BankUnited, National Association Miami Lakes BankUnited, Inc. 05/21/ ,602 No 19,061, Bay Cities Bank Tampa Business BancGroup, Inc. 11/10/ No 519, Beach Community Bank Fort Walton BeachBeach Community Bancshares, Inc. 04/27/ No 550, Biscayne Bank Coconut Grove Biscayne Bancshares, Inc. 07/05/ No 505, Brannen Bank Inverness Brannen Banks of, Inc. 07/01/ Yes 424, C1 Bank Saint Petersburg C1 Financial, Inc. 11/17/ No 1,536, Calusa Bank Punta Gorda Calusa Financial Corporation, Inc. 04/23/ No 165, Capital Bank, National Association Coral Gables Capital Bank Financial Corp. 07/17/ ,482 No 6,830, Capital City Bank Tallahassee Capital City Bank Group, Inc. 06/13/ No 2,607, CBC National Bank Fernandina BeachCoastal Banking Company, Inc. 01/01/ No 421, CenterState Bank of, National Association Winter Haven CenterState Banks, Inc. 02/21/ No 3,765, Central Bank Tampa Central Financial Holdings, Inc. 02/26/ No 94, Century Bank of Tampa Century Bancshares of, Inc. 09/11/ Yes 68, Charlotte State Bank & Trust Port Charlotte Crews Banking Corporation 11/03/ Yes 281, Citizens Bank and Trust Lake Wales Citizens Banking Corporation 05/13/ Yes 436, Citizens Bank of Oviedo Citizens Bancorp of Oviedo, Inc. 07/01/ No 234, Citizens First Bank The Villages Villages Bancorporation, Inc. 07/01/ No 1,638, Citizens State Bank Perry Perry Banking Company, Inc. 07/07/ Yes 275, City National Bank of Miami BFA, Sociedad Tenedora de Acciones, SAU 01/01/ No 5,353, CNLBank Orlando CNLBancshares, Inc. 07/28/ No 1,308, Coconut Grove Bank Miami Coconut Grove Bankshares, Inc. 07/12/ No 645, Columbia Bank Lake City First Columbia Bancorp, Inc. 02/01/ Yes 177, Commerce National Bank & Trust Winter Park Commerce National Bankshares of, Inc. 02/03/ Yes 75, Community Bank and Trust of Ocala Community Bankshares, Inc. 04/02/ No 607, Community Bank of, Inc. Homestead Community Bank of South, Inc. 10/09/ No 461, Community Bank of the South Merritt Island CBOS Bankshares, Inc. 11/29/ No 144, Community Southern Bank Lakeland Community Southern Holdings, Inc. 08/28/ No 245, Community State Bank Starke Community State Bank Corporation 03/19/ Yes 61, Continental National Bank Miami Continental Bancorp 05/10/ No 362, Cornerstone Community Bank Saint Petersburg Cornerstone Bancorp, Inc. 03/15/ No 225, Drummond Community Bank Chiefland Drummond Banking Company 01/12/ Yes 373, Eastern National Bank Miami 09/03/ No 393, Edison National Bank Fort Myers Edison Bancshares, Inc. 08/29/ Yes 256, ROAA ROAE 5 of 15

6 Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) Encore Bank, National Association Naples Ovation Holdings, Inc. 06/04/ No 354, Englewood Bank & Trust Englewood Crews Banking Corporation 04/04/ Yes 214, Espirito Santo Bank Miami Espirito Santo Financial Group SA 09/12/ No 660, EverBank Jacksonville EverBank Financial Corp 10/01/ ,085 No 21,610, Executive National Bank Miami Executive Banking Corporation 06/02/ No 318, Farmers & Merchants Bank Monticello FMB Banking Corporation 01/05/ Yes 424, Fidelity Bank of, National Association Merritt Island 11/26/ No 243, FineMark National Bank & Trust Fort Myers FineMark Holdings, Inc. 02/16/ No 886, First America Bank Bradenton First America Holdings Corporation 06/01/ No 260, First Avenue National Bank Ocala 11/16/ No 103, First Bank Clewiston Pioneer Bankcorp, Inc. 01/08/ No 268, First Bank of the Palm Beaches West Palm Beach 03/06/ No 108, First Citrus Bank Tampa First Citrus Bancorporation, Inc. 02/01/ No 241, First City Bank of Fort Walton Beach First City Banks, Inc. 11/17/ No 222, First Colony Bank of Maitland 01/28/ Yes 171, First Federal Bank of Lake City First Federal Bancorp, MHC 01/01/ No 972, First Bank Destin First Bancorp, Inc. 11/27/ No 267, First Integrity Bank Naples TGR Financial, Inc. 12/03/ No 989, First Green Bank Mount Dora First Green Bancorp, Inc. 02/17/ No 329, First Home Bank Seminole First Home Bancorp, Inc. 02/12/ No 82, First National Bank Northwest Panama City First Northwest Holding Company 05/03/ Yes 106, First National Bank of Mount Dora Mount Dora 09/01/ No 204, First National Bank of Pasco Dade City Bancshares, Inc. 11/03/ No 140, First National Bank of South Miami South Miami First Miami Bancorp, Inc. 04/03/ No 599, First National Bank of Wauchula Wauchula First Hardee Holding Corporation 01/12/ Yes 73, First State Bank of Arcadia Arcadia Crews Banking Corporation 07/17/ Yes 136, First State Bank of the Keys Key West First State Bank of the Keys Holding Company 10/29/ Yes 806, FirstAtlantic Bank Jacksonville FirstAtlantic Financial Holdings, Inc. 11/01/ No 383, FirstCity Bank of Commerce Palm Beach Gardens 08/27/ No 64, Flagler Bank West Palm Beach 04/10/ Yes 166, Flagship Community Bank Clearwater 01/23/ No 94, Bank Tampa Bank Group, Inc. 07/03/ No 565, Bank of Commerce Orlando FBC Bancorp, Inc. 12/12/ No 248, Business Bank Melbourne Reserve Financial Associates, LLC 03/15/ No 104, Capital Bank, N.A. Jacksonville Capital Group, Inc. 08/12/ No 378, Citizens Bank Gainesville OGS Investments, Inc. 12/23/ Yes 231, Community Bank, National Association Weston FCB Financial Holdings, Inc. 01/22/ No 5,833, Floridian Bank Daytona Beach Floridian Financial Group, Inc. 03/20/ No 399, Floridian Community Bank, Inc. Davie Floridian Community Holdings, Inc. 03/10/ No 350, FNBT.Com Bank Fort Walton BeachSouthern National Banks, Inc. 04/09/ Yes 362, Freedom Bank of America Saint Petersburg 04/04/ No 118, Friends Bank New Smyrna Beach 05/15/ No 95, Gateway Bank of Central Ocala Gateway Financial Holdings of, Inc. 05/29/ No 199, Gateway Bank of Daytona Beach Gateway Financial Holdings of, Inc. 01/26/ No 244, Gateway Bank of Southwest Sarasota Gateway Financial Holdings of, Inc. 05/19/ No 226, Gibraltar Private Bank & Trust Co. Coral Gables 01/01/ No 1,529, Grand Bank & Trust of West Palm Beach Grand Bankshares, Inc. 02/01/ No 207, Gulf Coast Community Bank Pensacola 07/03/ No 137, GulfShore Bank Tampa GulfShore Bancshares, Inc. 08/22/ No 280, ROAA ROAE 6 of 15

7 Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) Harbor Community Bank Indiantown HCBF Holding Company, Inc. 01/23/ No 1,197, Heartland National Bank Sebring Heartland Bancshares, Inc. 09/07/ No 325, Helm Bank USA Miami 12/08/ No 730, Hillsboro Bank Plant City 07/06/ No 114, Home Federal Bank of Hollywood Hallandale Beach Home Bancgroup, Inc. 09/08/ No 42, HomeBanc National Association Lake Mary HomeBancorp, Inc. 04/23/ No 905, Independent Bankers' Bank of Lake Mary Bankers' Bancorporation of, Inc. 08/05/ No 153, Insignia Bank Sarasota 10/16/ No 180, Interamerican Bank, A FSB Miami 08/23/ No 209, Intercontinental Bank West Miami Intercontinental Bankshares, LLC 06/21/ No 155, Intercredit Bank, NA Miami 07/02/ No 332, International Finance Bank Miami 01/01/ No 332, Intracoastal Bank Palm Coast 06/16/ Yes 236, Jacksonville Bank Jacksonville Jacksonville Bancorp, Inc. 05/28/ No 487, Jefferson Bank of Oldsmar Jefferson Bankshares, Inc. 12/03/ No 224, Lafayette State Bank Mayo 04/02/ No 88, Landmark Bank, National Association Fort Lauderdale Giant Holdings, Inc. 08/10/ No 340, Legacy Bank of Boca Raton 05/15/ No 271, Mackinac Savings Bank, FSB Boynton Beach 07/15/ Yes 110, Madison County Community Bank Madison Madison Community Bancshares Corporation 05/05/ No 111, Mainstreet Community Bank of Deland 10/24/ Yes 246, Marine Bank & Trust Company Vero Beach 07/01/ No 163, Marquis Bank Coral Gables 08/13/ No 278, Mercantil Commercebank, National Association Coral Gables Mercantil Servicios Financieros, C.A. 09/17/ No 7,903, Merchants & Southern Bank Gainesville Merchants & Southern Banks of, Inc. 11/25/ Yes 472, Nature Coast Bank Hernando 03/07/ No 53, New Traditions Bank Orlando Old Bancshares, Inc. 08/25/ No 505, NorthStar Bank Tampa NorthStar Banking Corporation 08/06/ No 195, Ocean Bank Miami Ocean Bankshares, Inc. 12/09/ No 3,217, Oculina Bank Fort Pierce Colonial Banc Corp. 01/02/ No 183, Old Bank Orlando Old Bancshares, Inc. 12/15/ No 908, One South Bank Chipley One South Financial, Inc. 10/29/ Yes 40, OptimumBank Plantation OptimumBank Holdings, Inc. 11/01/ No 129, Pacific National Bank Miami 08/06/ No 378, Palm Beach Community Bank West Palm Beach 04/07/ Yes 268, Paradise Bank Boca Raton 07/25/ Yes 305, Patriot Bank Trinity 10/22/ No 131, Peoples Bank of Graceville Graceville PBG Financial Services, Inc. 07/12/ Yes 86, Peoples National Bank Niceville Bankshares Corporation of Niceville 06/16/ No 106, Peoples State Bank Lake City PSB BancGroup, Inc. 04/28/ No 68, Pilot Bank Tampa Pilot Bancshares, Inc. 09/04/ No 219, Pinnacle Bank Orange City Pinnacle Bank Holding Company, Inc. 09/10/ No 154, Platinum Bank Brandon Platinum Bank Holding Company 12/08/ Yes 496, Plus International Bank Miami 09/14/ No 128, Preferred Community Bank Fort Myers 04/16/ No 93, Prime Meridian Bank Tallahassee Prime Meridian Holding Company 02/04/ No 210, ProBank Tallahassee Pro Financial Holdings, Inc. 09/05/ No 46, Professional Bank Coral Gables Professional Holding Corp. 09/08/ No 240, Raymond James Bank, National Association Saint Petersburg Raymond James Financial, Inc. 05/07/ No 13,563, ROAA ROAE 7 of 15

8 Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) Regent Bank Davie Regent Bancorp, Inc. 07/11/ No 357, Reunion Bank of Tavares 10/06/ No 276, Sabadell United Bank, N.A. Miami Banco de Sabadell, SA 11/25/ No 4,605, Sabal Palm Bank Sarasota 10/10/ No 115, Sanibel Captiva Community Bank Sanibel 01/21/ No 272, Seacoast National Bank Stuart Seacoast Banking Corporation of 10/02/ No 3,093, Seaside National Bank & Trust Orlando Three Shores Bancorporation, Inc. 10/31/ No 1,079, SouthBank, A Federal Savings Bank Palm Beach Gardens Commonwealth Savingshares Corporation 10/08/ Yes 21, Southern Commerce Bank, National Association Tampa Dickinson Financial Corporation II 06/08/ No 70, Stonegate Bank Pompano Beach 03/07/ No 1,723, Summit Bank, National Association Panama City Summit Financial Enterprises, Inc. 04/08/ No 321, Sunrise Bank Cocoa Beach 08/01/ No 111, Sunshine Bank Plant City Sunshine Bancorp, Inc. 11/26/ No 229, Sunshine Savings Bank Tallahassee Sunshine Financial, Inc. 01/01/ No 150, Sunstate Bank Miami 03/15/ No 189, Surety Bank Deland 01/01/ Yes 91, TCM Bank, National Association Tampa Independent Community Bankers of America 05/18/ No 191, Terrabank, N.A. Miami 11/21/ No 279, TotalBank Miami Banco Popular Español SA 03/05/ No 2,637, TransCapital Bank Sunrise 07/26/ Yes 166, U.S. Century Bank Doral 10/28/ No 839, United Legacy Bank Longwood National Commerce Corporation 12/28/ No 227, United Southern Bank Umatilla UniSouth, Inc. 03/01/ No 404, USAmeriBank Clearwater USAmeriBancorp, Inc. 02/12/ No 3,075, Warrington Bank Pensacola Five Flags Banks, Inc. 01/01/ No 86, Wauchula State Bank Wauchula Crews Banking Corporation 04/01/ Yes 592, ROAA ROAE 8 of 15

9 Rank Company Name City Total Employees Number of Offices Total Deposits Deposits / Office Assets / Office Deposits / Employee Assets / Employee 1 EverBank Jacksonville 3, ,584,054 1,298,671 1,800,874 5,052 7,005 21,610,491 2 BankUnited, National Association Miami Lakes 1, ,718, , ,496 8,563 11,899 19,061,584 3 Raymond James Bank, National Association Saint Petersburg ,449,893 11,449,893 13,563,392 65,804 77,951 13,563,392 4 Mercantil Commercebank, National Association Coral Gables ,318, , ,634 7,254 9,074 7,903,578 5 Capital Bank, National Association Coral Gables 1, ,311,961 32,390 41,650 3,584 4,609 6,830,545 6 Community Bank, National Association Weston ,009,095 75, ,073 6,284 9,144 5,833,874 7 City National Bank of Miami ,159, , ,898 8,775 11,294 5,353,359 8 Sabadell United Bank, N.A. Miami ,594, , ,824 7,118 9,121 4,605,891 9 CenterState Bank of, National Association Winter Haven ,094,854 53,360 64,926 3,999 4,865 3,765, Ocean Bank Miami ,789, , ,226 4,067 4,691 3,217, Seacoast National Bank Stuart ,416,526 51,415 65,821 4,174 5,343 3,093, USAmeriBank Clearwater ,554,332 91, ,850 5,267 6,342 3,075, TotalBank Miami ,826,274 91, ,858 4,411 6,370 2,637, Capital City Bank Tallahassee ,162,299 30,455 36,720 2,427 2,926 2,607, Stonegate Bank Pompano Beach ,452,702 60,529 71,819 7,606 9,024 1,723, Citizens First Bank The Villages ,410, , ,935 7,387 8,577 1,638, BAC Bank Coral Gables ,275,847 1,275,847 1,611,908 8,394 10,605 1,611, C1 Bank Saint Petersburg ,168,016 38,934 51,219 4,908 6,456 1,536, Gibraltar Private Bank & Trust Co. Coral Gables ,159, , ,177 4,293 5,664 1,529, CNLBank Orlando ,063,297 66,456 81,787 6,146 7,564 1,308, Bank of Tampa Tampa ,155, , ,692 5,557 6,235 1,296, Harbor Community Bank Indiantown ,635 30,262 36,276 2,929 3,511 1,197, Seaside National Bank & Trust Orlando ,811 68,909 83,001 5,933 7,146 1,079, First Integrity Bank Naples ,731 93, ,746 5,919 7, , First Federal Bank of Lake City ,328 43,386 51,187 2,560 3, , Banesco USA Coral Gables , , ,413 3,788 4, , Old Bank Orlando ,828 74,166 82,578 4,558 5, , HomeBanc National Association Lake Mary ,265 49,482 69,639 7,069 9, , FineMark National Bank & Trust Fort Myers ,188 79,354 98,448 6,613 8, , U.S. Century Bank Doral ,424 34,610 38,137 3,254 3, , First State Bank of the Keys Key West ,773 47,064 67,226 3,227 4, , Helm Bank USA Miami , , ,685 5,792 6, , Atlantic Coast Bank Jacksonville ,974 36,998 59,047 2,627 4, , Espirito Santo Bank Miami , , ,496 4,537 6, , Axiom Bank Maitland ,131 22,279 29,871 3,246 4, , Coconut Grove Bank Miami , , ,189 5,381 6, , Community Bank and Trust of Ocala ,872 47,352 55,257 4,235 4, , First National Bank of South Miami South Miami ,062 96, ,835 5,053 6, , Wauchula State Bank Wauchula ,119 86,187 98,761 3,471 3, , Bank Tampa ,112 31,470 43,469 3,823 5, , Beach Community Bank Fort Walton Beach ,132 45,557 50,044 4,247 4, , Bay Cities Bank Tampa ,776 85, ,800 4,850 5, , New Traditions Bank Orlando , , ,566 10,174 11, , Biscayne Bank Coconut Grove , , ,384 7,086 8, , Platinum Bank Brandon ,372 58,053 70,908 4,233 5, , Jacksonville Bank Jacksonville ,989 46,332 54,199 5,873 6, , Merchants & Southern Bank Gainesville ,803 25,831 36,345 2,972 4, , Apollo Bank Miami ,374 50,922 57,970 4,200 4, , Community Bank of, Inc. Homestead ,536 37,776 41,979 2,906 3, , Citizens Bank and Trust Lake Wales ,953 30,913 36,349 2,576 3, ,190 9 of 15

10 Rank Company Name City Net Interest Margin Yield on Loans Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) 1 TCM Bank, National Association Tampa 191, Citizens State Bank Perry 275, FirstAtlantic Bank Jacksonville 383, Lafayette State Bank Mayo 88, Drummond Community Bank Chiefland 373, BankUnited, National Association Miami Lakes 19,061, First Green Bank Mount Dora 329, First Avenue National Bank Ocala 103, CenterState Bank of, National Association Winter Haven 3,765, Home Federal Bank of Hollywood Hallandale Beach 42, NA Landmark Bank, National Association Fort Lauderdale 340, Palm Beach Community Bank West Palm Beach 268, One South Bank Chipley 40, First Citrus Bank Tampa 241, Bank of Commerce Orlando 248, st Manatee Bank Parrish 117, Capital Bank, National Association Coral Gables 6,830, Old Bank Orlando 908, Floridian Bank Daytona Beach 399, C1 Bank Saint Petersburg 1,536, Patriot Bank Trinity 131, First Bank Clewiston 268, Wauchula State Bank Wauchula 592, Plus International Bank Miami 128, Freedom Bank of America Saint Petersburg 118, Gulf Coast Community Bank Pensacola 137, First National Bank of Wauchula Wauchula 73, Sanibel Captiva Community Bank Sanibel 272, Peoples State Bank Lake City 68, First Home Bank Seminole 82, OptimumBank Plantation 129, Bay Cities Bank Tampa 519, Surety Bank Deland 91, Community State Bank Starke 61, Mainstreet Community Bank of Deland 246, Sunshine Savings Bank Tallahassee 150, Banesco USA Coral Gables 920, Nature Coast Bank Hernando 53, CBC National Bank Fernandina Beach 421, First Bank of the Palm Beaches West Palm Beach 108, Biscayne Bank Coconut Grove 505, Community Bank of, Inc. Homestead 461, Flagler Bank West Palm Beach 166, Platinum Bank Brandon 496, Gateway Bank of Central Ocala 199, Flagship Community Bank Clearwater 94, NA Preferred Community Bank Fort Myers 93, Jacksonville Bank Jacksonville 487, TransCapital Bank Sunrise 166, Insignia Bank Sarasota 180, Net Interest Margin 10 of 15

11 Noninterest Income Rank Company Name City Net Income Service Charges on Deposits / Avg Assets Gain on Sale of Loans/ Avg Asset Net Servicing Fees/ Avg Assets Net Gains on OREO/ Avg Assets Total Noninterest Income 1 CBC National Bank Fernandina Beach 421,354 3, , TCM Bank, National Association Tampa 191,557 3, , Southern Commerce Bank, National Association Tampa 70, , Commerce National Bank & Trust Winter Park 75, , Capital Bank, N.A. Jacksonville 378,840-3, , Independent Bankers' Bank of Lake Mary 153,922-1, , FNBT.Com Bank Fort Walton Beach 362,963 3, , Mackinac Savings Bank, FSB Boynton Beach 110, , First Federal Bank of Lake City 972,551 11, , Capital City Bank Tallahassee 2,607,137 10, , EverBank Jacksonville 21,610, , , Harbor Community Bank Indiantown 1,197,116 7, , First National Bank of Mount Dora Mount Dora 204,840 1, , Charlotte State Bank & Trust Port Charlotte 281,111 3, , Community State Bank Starke 61, Espirito Santo Bank Miami 660,496-10, , FineMark National Bank & Trust Fort Myers 886,033 3, , Paradise Bank Boca Raton 305,085 6, , Sunshine Savings Bank Tallahassee 150, , Drummond Community Bank Chiefland 373,203 5, , HomeBanc National Association Lake Mary 905,309 4, , Gulf Coast Community Bank Pensacola 137, , OptimumBank Plantation 129,227 7, , First Bank Destin 267,704 2, , Beach Community Bank Fort Walton Beach 550,485-6, , Axiom Bank Maitland 657,159 3, , Seacoast National Bank Stuart 3,093,602 7, , Citizens Bank and Trust Lake Wales 436,190 3, , First Bank Clewiston 268,572 1, , Helm Bank USA Miami 730,685 2, , Summit Bank, National Association Panama City 321,381 2, , Intercontinental Bank West Miami 155, , United Southern Bank Umatilla 404,909 2, , FirstCity Bank of Commerce Palm Beach Gardens 64, Continental National Bank Miami 362,397 1, , Atlantic Coast Bank Jacksonville 708,565 1, , Oculina Bank Fort Pierce 183,118 2, , First Home Bank Seminole 82, Ocean Bank Miami 3,217,738 28, , First City Bank of Fort Walton Beach 222, , Floridian Bank Daytona Beach 399,977 12, , Landmark Bank, National Association Fort Lauderdale 340,365 4, , Regent Bank Davie 357,783 1, , Banesco USA Coral Gables 920,480 2, , Englewood Bank & Trust Englewood 214,273 2, , Coconut Grove Bank Miami 645, , Surety Bank Deland 91, Community Bank of, Inc. Homestead 461,765 2, , Executive National Bank Miami 318,775 2, , Sunstate Bank Miami 189,647 2, , Noninterest Income/ Avg Assets 11 of 15

12 Total Overhead Rank Company Name City Efficiency Ratio (FTE) Total Employees Number of Offices Personnel Expense/ Avg. Assets Occupancy Expense/ Avg. Assets Other Expense/ Avg. Assets Total Overhead/ Avg. Assets 1 United Legacy Bank Longwood 227, Pacific National Bank Miami 378, Raymond James Bank, National Association Saint Petersburg 13,563, Citizens First Bank The Villages 1,638, New Traditions Bank Orlando 505, Biscayne Bank Coconut Grove 505, City National Bank of Miami 5,353, Peoples Bank of Graceville Graceville 86, Intracoastal Bank Palm Coast 236, Hillsboro Bank Plant City 114, Community Bank of the South Merritt Island 144, Intercontinental Bank West Miami 155, Gateway Bank of Daytona Beach 244, First Colony Bank of Maitland 171, USAmeriBank Clearwater 3,075, Community Bank, National Association Weston 5,833, Bank of Belle Glade Belle Glade 93, Mercantil Commercebank, National Association Coral Gables 7,903, Flagler Bank West Palm Beach 166, BAC Bank Coral Gables 1,611, Bank of Central Lakeland 362, First National Bank of South Miami South Miami 599, American National Bank Oakland Park 266, Marquis Bank Coral Gables 278, Heartland National Bank Sebring 325, Merchants & Southern Bank Gainesville 472, Business Bank Melbourne 104, Stonegate Bank Pompano Beach 1,723, GulfShore Bank Tampa 280, Madison County Community Bank Madison 111, Sabadell United Bank, N.A. Miami 4,605, Community Bank and Trust of Ocala 607, Warrington Bank Pensacola 86, Community Southern Bank Lakeland 245, BankUnited, National Association Miami Lakes 19,061, , TransCapital Bank Sunrise 166, Fidelity Bank of, National Association Merritt Island 243, First State Bank of the Keys Key West 806, Bank of Tampa Tampa 1,296, Landmark Bank, National Association Fort Lauderdale 340, CNLBank Orlando 1,308, Wauchula State Bank Wauchula 592, Bank of the South Pensacola 70, Edison National Bank Fort Myers 256, Reunion Bank of Tavares 276, Sunrise Bank Cocoa Beach 111, TotalBank Miami 2,637, First Integrity Bank Naples 989, Coconut Grove Bank Miami 645, Sanibel Captiva Community Bank Sanibel 272, of 15

13 Asset Quality Rank Company Name City Gross Loans 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 Warrington Bank Pensacola 86,006 27, Bank of Pensacola Pensacola 68,804 19, Intracoastal Bank Palm Coast 236, , HomeBanc National Association Lake Mary 905, , Sabal Palm Bank Sarasota 115,295 79, Bank Tampa 565, , FineMark National Bank & Trust Fort Myers 886, , Biscayne Bank Coconut Grove 505, , Prime Meridian Bank Tallahassee 210, , Professional Bank Coral Gables 240, , First Green Bank Mount Dora 329, , Bank of Central Lakeland 362, , Summit Bank, National Association Panama City 321, , Reunion Bank of Tavares 276, , Hillsboro Bank Plant City 114,576 44, Jefferson Bank of Oldsmar 224, , New Traditions Bank Orlando 505, , Eastern National Bank Miami 393, , Raymond James Bank, National Association Saint Petersburg 13,563,392 11,966, First National Bank of South Miami South Miami 599, , Bank of the South Pensacola 70,504 16, BankUnited, National Association Miami Lakes 19,061,584 12,416, City National Bank of Miami 5,353,359 3,368, Stonegate Bank Pompano Beach 1,723,666 1,309, Seaside National Bank & Trust Orlando 1,079, , Mercantil Commercebank, National Association Coral Gables 7,903,578 5,298, Edison National Bank Fort Myers 256, , Community Southern Bank Lakeland 245, , Preferred Community Bank Fort Myers 93,197 69, United Legacy Bank Longwood 227, , Terrabank, N.A. Miami 279, , GulfShore Bank Tampa 280, , Encore Bank, National Association Naples 354, , Insignia Bank Sarasota 180, , Oculina Bank Fort Pierce 183, , First Integrity Bank Naples 989, , Business Bank Melbourne 104,063 73, Marquis Bank Coral Gables 278, , First Bank Destin 267, , NorthStar Bank Tampa 195,752 90, First Home Bank Seminole 82,348 58, Banesco USA Coral Gables 920, , st Manatee Bank Parrish 117,625 92, Sunrise Bank Cocoa Beach 111,817 77, Old Bank Orlando 908, , Marine Bank & Trust Company Vero Beach 163, , Floridian Bank Daytona Beach 399, , Apollo Bank Miami 463, , Plus International Bank Miami 128,585 43, Mackinac Savings Bank, FSB Boynton Beach 110,050 47, Asset Quality Composite 13 of 15

14 Return on Average Equity Rank Company Name City LTM Net Income Total Employees LTM Net Income / Employee 2013Q4 LTM Net Income 2012Q4 LTM Net Income 1 OptimumBank Plantation 129,227 7, ,699-4, Bank Tampa 565,102 40, ,149-5, Legacy Bank of Boca Raton 271,487 10, , Floridian Bank Daytona Beach 399,977 12, Freedom Bank of America Saint Petersburg 118,936 3, , Anchor Commercial Bank Juno Beach 102,739 1, , Oculina Bank Fort Pierce 183,118 2, Biscayne Bank Coconut Grove 505,535 5, ,010 4, Raymond James Bank, National Association Saint Petersburg 13,563, , , , Paradise Bank Boca Raton 305,085 6, ,729 5, Sunstate Bank Miami 189,647 2, ,514 1, BankUnited, National Association Miami Lakes 19,061, ,531 1, , , Landmark Bank, National Association Fort Lauderdale 340,365 4, ,839 2, USAmeriBank Clearwater 3,075,790 30, ,171 21, First Home Bank Seminole 82, , Flagler Bank West Palm Beach 166,286 2, ,722 1, Intracoastal Bank Palm Coast 236,807 3, ,866 2, Citizens First Bank The Villages 1,638,290 14, ,083 26, Sanibel Captiva Community Bank Sanibel 272,093 2, ,005 1, Wauchula State Bank Wauchula 592,566 9, ,668 8, Mainstreet Community Bank of Deland 246,934 3, ,327 1, Charlotte State Bank & Trust Port Charlotte 281,111 3, ,244 2, Old Bank Orlando 908,362 7, ,464 6, Community Bank and Trust of Ocala 607,827 5, ,776 4, First Bank Destin 267,704 2, ,351 2, Bank of Tampa Tampa 1,296,924 9, ,486 7, New Traditions Bank Orlando 505,699 4, , EverBank Jacksonville 21,610, ,786 3, ,418 79, First Colony Bank of Maitland 171,606 2, ,005 1, First Federal Bank of Lake City 972,551 11, ,757 10, Plus International Bank Miami 128,585 1, BAC Bank Coral Gables 1,611,908 10, ,821 4, Peoples National Bank Niceville 106, Harbor Community Bank Indiantown 1,197,116 7, , Hillsboro Bank Plant City 114,576 1, CBC National Bank Fernandina Beach 421,354 3, ,825 2, Sunrise Bank Cocoa Beach 111, ,383 2, Gateway Bank of Central Ocala 199,741 1, , Citizens State Bank Perry 275,740 2, , Englewood Bank & Trust Englewood 214,273 2, ,758 1, Merchants & Southern Bank Gainesville 472,487 4, ,504 2, Palm Beach Community Bank West Palm Beach 268,532 3, ,993 2, FirstAtlantic Bank Jacksonville 383,183 3, ,310 1, Peoples Bank of Graceville Graceville 86,336 1, ,208 1, Ocean Bank Miami 3,217,738 28, , , Bank of Central Lakeland 362,654 2, ,257 1, Drummond Community Bank Chiefland 373,203 5, ,372 3, TCM Bank, National Association Tampa 191,557 3, ,391 4, Gateway Bank of Southwest Sarasota 226,369 1, ,834 3, Bank of Commerce Orlando 248,719 2, , ROAA ROAE 14 of 15

15 Overall Ranking Rank Company Name City Net Interest Margin Rank Noninterest Income Rank Total Overhead Rank Asset Quality Rank 1 BankUnited, National Association Miami Lakes 19,061, Biscayne Bank Coconut Grove 505, Summit Bank, National Association Panama City 321, Paradise Bank Boca Raton 305, Floridian Bank Daytona Beach 399, Landmark Bank, National Association Fort Lauderdale 340, USAmeriBank Clearwater 3,075, First Bank Destin 267, FirstAtlantic Bank Jacksonville 383, Mainstreet Community Bank of Deland 246, Old Bank Orlando 908, First Home Bank Seminole 82, Intracoastal Bank Palm Coast 236, Wauchula State Bank Wauchula 592, First Green Bank Mount Dora 329, Bank Tampa 565, Sanibel Captiva Community Bank Sanibel 272, Drummond Community Bank Chiefland 373, Oculina Bank Fort Pierce 183, Sunrise Bank Cocoa Beach 111, HomeBanc National Association Lake Mary 905, Bank of Commerce Orlando 248, TCM Bank, National Association Tampa 191, New Traditions Bank Orlando 505, Capital Bank, National Association Coral Gables 6,830, OptimumBank Plantation 129, Bank of Tampa Tampa 1,296, Stonegate Bank Pompano Beach 1,723, Hillsboro Bank Plant City 114, Community Bank and Trust of Ocala 607, FineMark National Bank & Trust Fort Myers 886, Prime Meridian Bank Tallahassee 210, Bank of Central Lakeland 362, Marine Bank & Trust Company Vero Beach 163, Gateway Bank of Central Ocala 199, EverBank Jacksonville 21,610, Reunion Bank of Tavares 276, Raymond James Bank, National Association Saint Petersburg 13,563, Palm Beach Community Bank West Palm Beach 268, Ocean Bank Miami 3,217, Executive National Bank Miami 318, CBC National Bank Fernandina Beach 421, American National Bank Oakland Park 266, Harbor Community Bank Indiantown 1,197, Freedom Bank of America Saint Petersburg 118, Bay Cities Bank Tampa 519, First Bank Clewiston 268, First Colony Bank of Maitland 171, Plus International Bank Miami 128, BAC Bank Coral Gables 1,611, ROAE Rank Overall Rank 15 of 15