Rank the Report

Third Quarter 2014 Rank the Banks Report - Florida Table of Contents: 1) Listing (Page 5-8)

Company Name - City - Parent Company - Date Established - Number of Offices - Total Employees - S corp? - Total Assets - ROAA - ROAE

2) Ranking by Total Assets - 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 - Total Assets - 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 - Total Assets - 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 - Total Assets - 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 - Total Assets - 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 - Total Assets - LTM Net Income - Total Employees - LTM Net Income/Employee - 2013Q3 LTM Net Income - 2012Q3 LTM Net Income - ROAA - ROAE 8) Composite Ranking - Top 50 (Page 15)

City - Total Assets - Net Interest Margin - Noninterest Income - Total Overhead - Asset Quality - ROAE - Overall Ranking

1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327 (404) 848-1571 (phone) / (404) 848-1574 (fax) Belief Strength Purpose Belief Strength Purpose

Rank the Banks Report - Florida 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. Canandaigua National Trust Company of Florida Banco Do Brasil Americas

MEMBERS Trust Company Desjardins Bank, National Association

Mercantil Commercebank Trust Company, 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 last twelve months ending September 30, 2014.

For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of regular corporate tax rates on net income

Asset quality index is the sum of: (Adjusted Loans 30-89 PD/Loans) + (Adjusted Loans 90 PD/Loans )+ (Adjusted NPLs/Loans) + (Adjusted OREO/Loans) + (Net Chargeoffs/Avg Loans)

Composite ranking is based on an unweighted average of NIM ranking, Noninterest Income ranking, Total Overhead

1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327 (404) 848-1571 (phone) / (404) 848-1574 (fax) Belief Strength Purpose Belief Strength Purpose

Rank the Banks Report - Florida

Banks Street Partners Team BSP Services BSP Downloands

Lee Burrows Mergers and Acquisitions [email protected] - Southeastern Publicly 404-848-8480 Capital Raising Initiatives Gary McNorrill Traded Data Branch Sales and Purchases [email protected] 704-927-6244 Failed Bank Acquisitions Southeastern M&A Bank Mark Saunders [email protected] 363 Bankruptcy Transactions Data 404-848-2686 Jeff Adams Strategic Planning Quarterly Texas Ratio [email protected] Valuations and Fairness Opinions 404-924-6382 Will Brackett Board and Management Consulting Analysis [email protected] 404-848-0890 Financial Modeling Joe Maloney [email protected] Disposition of Distressed Assets Visit 404-848-2662 TARP/Preferred Stock and SBLF http://banksstreetpartners.com/bs Matt Kennedy Repayment Plans p-downloads/ to access and [email protected] download all available material 704-927-6251 Share Repurchase Plans and Modified William Izlar Dutch Auctions [email protected] 404-848-2665 Julian LeCraw [email protected]

1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327 (404) 848-1571 (phone) / (404) 848-1574 (fax) Belief Strength Purpose Bank Listing

Date Number Total S Corp Total Assets ROAA ROAE Company Name City Parent Company Established of Offices Employees (Yes/No) ($000) (%) (%) 1st Manatee Bank Parrish 11/13/07 3 27 No 107,839 0.91 8.62 1st National Bank of South Florida Homestead Hometown of Homestead Banking Company 11/1/32 6 89 No 308,351 0.66 7.33 American Enterprise Bank of Florida Jacksonville American Enterprise Bankshares, Inc. 2/23/04 2 41 No 197,078 -0.02 -0.28 American National Bank Oakland Park ANB Holdings, Inc. 10/15/85 1 37 No 281,384 0.73 5.94 Anchor Commercial Bank Juno Beach 3/23/05 2 21 No 102,471 1.92 22.06 Apollo Bank Apollo Bancshares, Inc. 10/1/01 8 107 No 474,548 -0.22 -2.24 Atlantic Coast Bank Jacksonville Corporation 3/27/39 12 167 No 715,294 -0.85 -9.62 Axiom Bank Maitland Axiom Bancshares, Inc. 1/1/62 22 151 No 696,283 0.54 3.91 BAC Florida Bank Coral Gables 10/12/73 1 158 No 1,535,996 0.67 7.90 Banesco USA Coral Gables 1/10/06 6 210 No 885,172 0.22 2.31 Bank of Belle Glade Belle Glade Belle Glade Bank Corporation 11/14/63 1 17 No 82,672 0.32 3.85 Bank of Central Florida Lakeland 3/19/07 4 59 No 341,556 0.71 6.88 Bank of Commerce Sarasota Bank of Commerce Holdings, Inc. 9/1/00 3 33 No 210,950 -0.23 -13.07 Bank of Pensacola Pensacola Five Flags Banks, Inc. 10/26/73 2 16 No 65,412 -0.74 -3.69 Bank of Tampa Tampa Tampa Bay Banking Company 3/30/73 10 222 No 1,326,905 0.68 8.70 Bank of the South Pensacola Five Flags Banks, Inc. 5/20/64 2 20 No 71,351 -0.14 -0.69 BankUnited, National Association Miami Lakes BankUnited, Inc. 5/21/09 108 1,623 No 17,531,242 1.37 12.73 Bay Cities Bank Tampa Florida Business BancGroup, Inc. 11/10/99 5 85 No 542,932 0.78 6.44 Beach Community Bank Fort Walton Beach Beach Community Bancshares, Inc. 4/27/01 11 115 No 558,856 -1.18 -24.27 Biscayne Bank Coconut Grove Biscayne Bancshares, Inc. 7/5/05 3 50 No 445,896 1.33 14.99 Brannen Bank Inverness Brannen Banks of Florida, Inc. 7/1/26 12 117 Yes 421,786 0.53 7.08 C1 Bank Saint Petersburg C1 Financial, Inc. 11/17/95 31 246 No 1,548,045 0.52 5.32 Calusa Bank Punta Gorda Calusa Financial Corporation, Inc. 4/23/07 4 37 No 166,792 0.60 5.75 Capital Bank, National Association Coral Gables Capital Bank Financial Corp. 7/17/10 164 1,515 No 6,690,067 0.88 5.21 Capital City Bank Tallahassee Capital City Bank Group, Inc. 6/13/07 71 895 No 2,481,086 0.45 3.43 CBC National Bank Fernandina Beach Coastal Banking Company, Inc. 1/1/99 4 346 No 444,784 0.45 4.22 CenterState Bank of Florida, National Association Winter Haven CenterState Banks, Inc. 2/21/92 58 855 No 3,628,030 0.33 3.06 Central Bank Tampa Central Financial Holdings, Inc. 2/26/07 1 22 No 89,607 -0.15 -1.04 Century Bank of Florida Tampa Century Bancshares of Florida, Inc. 9/11/00 1 14 Yes 70,624 0.14 1.76 Charlotte State Bank & Trust Port Charlotte Crews Banking Corporation 11/3/87 5 88 Yes 278,298 0.98 11.26 Citizens Bank and Trust Lake Wales Citizens Banking Corporation 5/13/20 12 147 Yes 449,975 0.56 6.34 Citizens Bank of Florida Oviedo Citizens Bancorp of Oviedo, Inc. 7/1/46 4 55 No 232,108 0.26 3.10 Citizens First Bank The Villages Villages Bancorporation, Inc. 7/1/91 11 191 No 1,642,204 0.75 9.12 Citizens State Bank Perry Perry Banking Company, Inc. 7/7/58 5 53 Yes 240,053 0.83 10.22 City National Bank of Florida Miami Banco Financiero y de Ahorros SA 1/1/46 26 463 No 5,101,902 -1.20 -6.28 CNLBank Orlando CNLBancshares, Inc. 7/28/97 16 175 No 1,302,612 0.24 2.67 Coconut Grove Bank Miami Coconut Grove Bankshares, Inc. 7/12/26 5 97 No 609,923 0.15 0.91 Columbia Bank Lake City First Columbia Bancorp, Inc. 2/1/12 4 56 Yes 188,775 -0.33 -3.44 Commerce National Bank & Trust Winter Park Commerce National Bankshares of Florida, Inc. 2/3/03 1 29 Yes 80,335 0.51 4.96 Community Bank and Trust of Florida Ocala Florida Community Bankshares, Inc. 4/2/98 11 127 No 598,508 0.96 9.26 Community Bank of Broward Dania Beach 1/22/02 9 84 No 499,702 0.69 7.79 Community Bank of Florida, Inc. Homestead Community Bank of South Florida, Inc. 10/9/73 11 142 No 474,663 0.46 5.07 Community Bank of the South Merritt Island CBOS Bankshares, Inc. 11/29/99 3 21 No 149,330 0.40 3.84 Community Southern Bank Lakeland Community Southern Holdings, Inc. 8/28/06 3 47 No 245,523 0.45 4.13 Community State Bank Starke Community State Bank Corporation 3/19/57 2 30 Yes 62,406 0.20 1.54 Continental National Bank Miami Continental Bancorp 5/10/74 7 103 No 361,516 0.38 4.23 Cornerstone Community Bank Saint Petersburg Cornerstone Bancorp, Inc. 3/15/99 6 54 No 221,154 0.60 5.40 Drummond Community Bank Chiefland Drummond Banking Company 1/12/90 11 120 Yes 368,940 1.11 8.85 Eastern National Bank Miami 9/3/69 5 91 No 399,230 1.43 13.96 Edison National Bank Fort Myers Edison Bancshares, Inc. 8/29/97 4 39 Yes 241,755 0.30 3.70 Encore Bank, National Association Naples Ovation Holdings, Inc. 6/4/07 6 50 No 328,787 -0.71 -7.19 Englewood Bank & Trust Englewood Crews Banking Corporation 4/4/88 4 47 Yes 202,287 0.71 7.97 Espirito Santo Bank Miami Novo Banco, SA 9/12/73 1 109 No 676,568 0.19 2.34

Rank the Banks Florida 5 of 15 Bank Listing

Date Number Total S Corp Total Assets ROAA ROAE Company Name City Parent Company Established of Offices Employees (Yes/No) ($000) (%) (%) EverBank Jacksonville EverBank Financial Corp 10/1/98 12 3,118 No 20,504,688 0.73 7.93 Executive National Bank Miami Executive Banking Corporation 6/2/72 4 80 No 321,348 0.74 7.73 Farmers & Merchants Bank Monticello FMB Banking Corporation 1/5/07 6 93 Yes 423,650 0.49 6.03 Fidelity Bank of Florida, National Association Merritt Island 11/26/90 2 42 No 254,602 4.88 47.93 FineMark National Bank & Trust Fort Myers FineMark Holdings, Inc. 2/16/07 8 108 No 836,243 0.45 5.61 First America Bank Bradenton First America Holdings Corporation 6/1/04 5 58 No 261,209 0.27 2.29 First Avenue National Bank Ocala 11/16/06 3 29 No 97,748 0.15 1.10 First Bank Clewiston Pioneer Bankcorp, Inc. 1/8/22 5 85 No 266,705 0.51 5.70 First Bank of the Palm Beaches West Palm Beach 3/6/06 2 21 No 106,833 0.11 1.11 First Citrus Bank Tampa First Citrus Bancorporation, Inc. 2/1/99 5 59 No 248,195 0.25 2.45 First City Bank of Florida Fort Walton Beach Florida First City Banks, Inc. 11/17/48 4 57 No 227,590 -0.13 -5.37 First Colony Bank of Florida Maitland 1/28/08 1 17 Yes 169,507 0.93 8.48 First Federal Bank of Florida Lake City First Federal Bancorp, MHC 1/1/62 19 326 No 1,021,638 0.81 6.57 First Florida Bank Destin First Florida Bancorp, Inc. 11/27/06 4 51 No 268,629 1.07 9.67 First Florida Integrity Bank Naples TGR Financial, Inc. 12/3/07 8 128 No 865,942 0.22 2.14 First Green Bank Mount Dora First Green Bancorp, Inc. 2/17/09 5 61 No 304,218 0.72 6.30 First Home Bank Seminole First Home Bancorp, Inc. 2/12/99 2 25 No 76,375 0.64 8.63 First National Bank Northwest Florida Panama City First Northwest Florida Holding Company 5/3/84 2 38 Yes 112,719 0.30 2.16 First National Bank of Crestview Crestview FNBC Financial Corporation 2/8/56 3 25 Yes 79,723 -1.43 -57.84 First National Bank of Mount Dora Mount Dora 9/1/25 5 78 No 201,699 0.67 4.86 First National Bank of Pasco Dade City Florida Bancshares, Inc. 11/3/86 3 34 No 138,990 0.48 4.91 First National Bank of South Miami South Miami First Miami Bancorp, Inc. 4/3/52 5 94 No 582,356 0.32 4.32 First National Bank of Wauchula Wauchula First Hardee Holding Corporation 1/12/60 1 31 Yes 77,723 0.28 3.02 First State Bank of Arcadia Arcadia Crews Banking Corporation 7/17/73 2 45 Yes 134,611 0.60 5.32 First State Bank of the Florida Keys Key West First State Bank of the Florida Keys Holding Company 10/29/55 12 175 Yes 780,690 0.58 6.44 FirstAtlantic Bank Jacksonville FirstAtlantic Financial Holdings, Inc. 11/1/99 8 79 No 380,162 0.74 5.84 FirstCity Bank of Commerce Palm Beach Gardens 8/27/07 1 16 Yes 65,302 0.19 1.89 Flagler Bank West Palm Beach 4/10/00 2 24 Yes 158,719 1.06 11.45 Flagship Community Bank Clearwater 1/23/06 2 25 No 97,628 -0.06 -0.45 Florida Bank Tampa Florida Bank Group, Inc. 7/3/85 13 110 No 518,122 0.96 9.53 Florida Bank of Commerce Orlando FBC Bancorp, Inc. 12/12/05 6 53 No 245,317 0.74 6.71 Florida Business Bank Melbourne Reserve Financial Associates, LLC 3/15/00 1 15 No 108,126 0.57 4.38 Florida Capital Bank, N.A. Jacksonville Florida Capital Group, Inc. 8/12/85 6 160 No 392,797 -1.55 -29.56 Florida Citizens Bank Gainesville OGS Investments, Inc. 12/23/98 7 84 Yes 238,293 0.23 3.01 Florida Community Bank, National Association Weston FCB Financial Holdings, Inc. 1/22/10 55 630 No 5,929,291 0.62 5.12 Floridian Bank Daytona Beach Floridian Financial Group, Inc. 3/20/06 9 81 No 406,232 4.57 44.26 Floridian Community Bank, Inc. Davie Floridian Community Holdings, Inc. 3/10/03 4 53 No 330,449 0.35 4.02 FNBT.Com Bank Fort Walton Beach Southern National Banks, Inc. 4/9/56 11 101 Yes 368,323 0.61 5.08 Freedom Bank of America Saint Petersburg 4/4/05 3 29 No 124,370 2.96 25.27 Friends Bank New Smyrna Beach 5/15/00 3 25 No 98,338 -0.08 -1.38 Gateway Bank of Central Florida Ocala Gateway Financial Holdings of Florida, Inc. 5/29/07 3 36 No 191,592 0.75 7.40 Gateway Bank of Florida Daytona Beach Gateway Financial Holdings of Florida, Inc. 1/26/06 3 33 No 227,171 -0.06 -0.68 Gateway Bank of Southwest Florida Sarasota Gateway Financial Holdings of Florida, Inc. 5/19/08 3 42 No 218,327 0.58 6.69 Gibraltar Private Bank & Trust Co. Coral Gables 1/1/94 8 266 No 1,567,708 0.58 7.21 Grand Bank & Trust of Florida West Palm Beach Grand Bankshares, Inc. 2/1/99 3 44 No 207,631 0.58 6.15 Gulf Coast Community Bank Pensacola 7/3/03 5 48 No 141,942 0.10 3.72 GulfShore Bank Tampa GulfShore Bancshares, Inc. 8/22/07 2 40 No 298,942 0.41 4.58 Harbor Community Bank Indiantown HCBF Holding Company, Inc. 1/23/60 33 276 No 926,172 0.36 2.88 Heartland National Bank Sebring Heartland Bancshares, Inc. 9/7/99 4 54 No 302,112 0.54 5.81 Helm Bank USA Miami 12/8/89 1 113 No 763,932 0.26 2.49 Hillsboro Bank Plant City 7/6/98 2 21 No 111,474 1.03 8.52 Home Federal Bank of Hollywood Hallandale Beach Home Bancgroup, Inc. 9/8/98 1 16 No 46,062 0.11 1.69 HomeBanc National Association Lake Mary HomeBancorp, Inc. 4/23/07 13 92 No 890,870 0.52 5.97

Rank the Banks Florida 6 of 15 Bank Listing

Date Number Total S Corp Total Assets ROAA ROAE Company Name City Parent Company Established of Offices Employees (Yes/No) ($000) (%) (%) Independent Bankers' Bank of Florida Lake Mary Bankers' Bancorporation of Florida, Inc. 8/5/83 1 28 No 165,053 -0.51 -14.33 Insignia Bank Sarasota 10/16/06 2 45 No 179,163 0.41 3.26 Interamerican Bank, A FSB Miami 8/23/76 5 68 No 216,251 0.37 3.40 Intercontinental Bank West Miami Intercontinental Bankshares, LLC 6/21/02 1 20 No 163,602 0.00 -0.03 Intercredit Bank, NA Miami 7/2/84 5 75 No 316,013 -0.15 -1.85 International Finance Bank Miami 1/1/82 3 75 No 344,681 0.18 1.50 Intracoastal Bank Palm Coast 6/16/08 1 24 Yes 221,417 0.90 11.00 Jacksonville Bank Jacksonville Jacksonville Bancorp, Inc. 5/28/99 9 84 No 509,821 0.36 3.72 Jefferson Bank of Florida Oldsmar Jefferson Bankshares, Inc. 12/3/07 4 48 No 216,776 0.39 3.64 Lafayette State Bank Mayo 4/2/46 4 33 No 93,268 -4.33 -64.15 Landmark Bank, National Association Fort Lauderdale Giant Holdings, Inc. 8/10/98 6 48 No 348,177 1.49 10.65 Legacy Bank of Florida Boca Raton 5/15/06 5 47 No 274,934 4.14 54.10 Mackinac Savings Bank, FSB Boynton Beach 7/15/94 3 43 Yes 110,861 -0.07 -0.86 Madison County Community Bank Madison Madison Community Bancshares Corporation 5/5/99 1 22 No 111,154 0.49 6.11 Mainstreet Community Bank of Florida Deland 10/24/03 4 52 Yes 247,736 0.90 9.69 Marine Bank & Trust Company Vero Beach 7/1/97 2 34 No 149,150 2.50 28.10 Marquis Bank Coral Gables 8/13/07 1 31 No 256,931 0.56 4.74 Mercantil Commercebank, National Association Coral Gables Mercantil Servicios Financieros, C.A. 9/17/79 22 836 No 7,784,603 0.38 3.73 Merchants & Southern Bank Gainesville Merchants & Southern Banks of Florida, Inc. 11/25/59 13 119 Yes 397,892 0.72 7.53 Nature Coast Bank Hernando 3/7/05 2 16 No 54,766 0.37 2.91 New Traditions Bank Orlando Old Florida Bancshares, Inc. 8/25/08 3 44 No 522,694 0.68 6.74 NorthStar Bank Tampa NorthStar Banking Corporation 8/6/07 2 34 No 204,095 0.08 0.77 Ocean Bank Miami Ocean Bankshares, Inc. 12/9/82 21 681 No 3,256,573 1.05 9.06 Oculina Bank Fort Pierce Colonial Banc Corp. 1/2/04 8 61 No 175,362 0.90 9.27 Old Florida Bank Orlando Old Florida Bancshares, Inc. 12/15/82 11 179 No 886,013 0.78 8.40 One South Bank Chipley One South Financial, Inc. 10/29/08 1 10 Yes 37,516 0.21 1.34 OptimumBank Plantation OptimumBank Holdings, Inc. 11/1/00 3 19 No 122,642 -0.11 -2.16 Pacific National Bank Miami 8/6/82 1 62 No 352,695 0.30 2.80 Palm Beach Community Bank West Palm Beach 4/7/08 6 49 Yes 263,651 0.91 7.25 Paradise Bank Boca Raton 7/25/05 3 46 Yes 322,552 1.35 14.26 Patriot Bank Trinity 10/22/04 4 22 No 130,699 0.42 3.42 Peoples Bank of Graceville Graceville PBG , Inc. 7/12/74 1 15 Yes 90,112 1.13 8.35 Peoples National Bank Niceville Bankshares Corporation of Niceville 6/16/86 3 38 No 112,881 0.35 4.77 Peoples State Bank Lake City PSB BancGroup, Inc. 4/28/99 2 21 No 69,205 0.27 2.81 Pilot Bank Tampa Pilot Bancshares, Inc. 9/4/87 5 58 No 220,649 -0.55 -5.68 Pinnacle Bank Orange City Pinnacle Bank Holding Company, Inc. 9/10/99 2 23 No 163,662 -2.32 -145.88 Platinum Bank Brandon Platinum Bank Holding Company 12/8/97 7 91 Yes 463,962 0.55 4.91 Plus International Bank Miami 9/14/01 1 17 No 101,746 0.46 3.26 Preferred Community Bank Fort Myers 4/16/07 3 24 No 89,370 0.48 3.96 Prime Meridian Bank Tallahassee Prime Meridian Holding Company 2/4/08 2 41 No 204,380 0.39 4.57 ProBank Tallahassee Pro Financial Holdings, Inc. 9/5/07 2 12 No 48,885 -0.87 -18.19 Professional Bank Coral Gables Professional Holding Corp. 9/8/08 2 34 No 251,299 0.51 6.29 Raymond James Bank, National Association Saint Petersburg Raymond James Financial, Inc. 5/7/94 1 172 No 12,547,902 1.35 13.15 Regent Bank Davie Regent Bancorp, Inc. 7/11/86 5 95 No 352,036 -3.49 -45.47 Reunion Bank of Florida Tavares 10/6/08 4 44 No 266,945 0.61 6.55 Sabadell United Bank, N.A. Miami Banco de Sabadell, SA 11/25/74 29 511 No 4,587,437 0.62 4.85 Sabal Palm Bank Sarasota 10/10/06 2 22 No 107,146 0.26 1.89 Sanibel Captiva Community Bank Sanibel 1/21/03 3 49 No 260,857 0.80 8.06 Seacoast National Bank Stuart Seacoast Banking Corporation of Florida 10/2/26 48 511 No 2,359,157 0.45 4.04 Seaside National Bank & Trust Orlando Three Shores Bancorporation, Inc. 10/31/06 13 149 No 1,039,653 0.22 2.28 SouthBank, A Federal Savings Bank Palm Beach Gardens Commonwealth Savingshares Corporation 10/8/93 1 4 Yes 22,535 -1.09 -15.40 Southern Commerce Bank, National Association Tampa Dickinson Financial Corporation II 6/8/87 8 32 No 77,178 16.33 53.75 Stonegate Bank Pompano Beach 3/7/05 15 194 No 1,676,152 0.66 6.00

Rank the Banks Florida 7 of 15 Bank Listing

Date Number Total S Corp Total Assets ROAA ROAE Company Name City Parent Company Established of Offices Employees (Yes/No) ($000) (%) (%) Summit Bank, National Association Panama City Summit Financial Enterprises, Inc. 4/8/08 3 43 No 320,437 0.94 7.16 Sunrise Bank Cocoa Beach 8/1/05 2 23 No 116,070 0.69 6.73 Sunshine Savings Bank Tallahassee Sunshine Financial, Inc. 1/1/52 6 56 No 148,562 -0.01 -0.04 Sunshine State Bank Plant City Sunshine Bancorp, Inc. 11/26/54 5 60 No 222,819 -0.08 -0.57 Sunstate Bank Miami 3/15/99 3 37 No 184,012 1.75 13.57 Surety Bank Deland 1/1/26 2 25 Yes 96,688 -0.22 -2.13 TCM Bank, National Association Tampa Independent Community Bankers of America 5/18/98 1 45 No 179,858 1.73 7.14 Terrabank, N.A. Miami 11/21/85 3 75 No 283,564 0.60 5.78 TotalBank Miami Banco Popular Español SA 3/5/74 21 450 No 2,667,013 0.40 2.41 TransCapital Bank Sunrise 7/26/99 3 26 Yes 166,275 0.86 6.50 U.S. Century Bank Doral 10/28/02 22 233 No 886,182 -0.35 -6.57 United Legacy Bank Longwood Charles Investment Group, LLC 12/28/01 5 36 No 229,398 0.30 3.02 United Southern Bank Umatilla UniSouth, Inc. 3/1/37 13 131 No 402,294 0.56 5.42 USAmeriBank Clearwater USAmeriBancorp, Inc. 2/12/07 28 498 No 3,009,916 1.02 11.10 Warrington Bank Pensacola Five Flags Banks, Inc. 1/1/52 2 21 No 85,199 0.23 1.25 Wauchula State Bank Wauchula Crews Banking Corporation 4/1/29 6 147 Yes 586,208 1.25 12.16

Rank the Banks Florida 8 of 15 Total Assets

Deposits Assets Deposits Assets Number of Total Deposits ($000)/ ($000)/ ($000)/ ($000)/ Total Assets Ranking Company Name City Total Employees Offices ($000) Office Office Employee Employee ($000) 1 EverBank Jacksonville 3,118 12 14,545,337 1,212,111 1,708,724 4,665 6,576 20,504,688 2 BankUnited, National Association Miami Lakes 1,623 108 13,062,120 120,946 162,326 8,048 10,802 17,531,242 3 Raymond James Bank, National Association Saint Petersburg 172 1 10,537,809 10,537,809 12,547,902 61,266 72,953 12,547,902 4 Mercantil Commercebank, National Association Coral Gables 836 22 6,229,723 283,169 353,846 7,452 9,312 7,784,603 5 Capital Bank, National Association Coral Gables 1,515 164 5,256,814 32,054 40,793 3,470 4,416 6,690,067 6 Florida Community Bank, National Association Weston 630 55 4,030,682 73,285 107,805 6,398 9,412 5,929,291 7 City National Bank of Florida Miami 463 26 3,994,794 153,646 196,227 8,628 11,019 5,101,902 8 Sabadell United Bank, N.A. Miami 511 29 3,575,263 123,285 158,187 6,997 8,977 4,587,437 9 CenterState Bank of Florida, National Association Winter Haven 855 58 3,066,619 52,873 62,552 3,587 4,243 3,628,030 10 Ocean Bank Miami 681 21 2,839,762 135,227 155,075 4,170 4,782 3,256,573 11 USAmeriBank Clearwater 498 28 2,498,648 89,237 107,497 5,017 6,044 3,009,916 12 TotalBank Miami 450 21 1,864,123 88,768 127,001 4,142 5,927 2,667,013 13 Capital City Bank Tallahassee 895 71 2,052,186 28,904 34,945 2,293 2,772 2,481,086 14 Seacoast National Bank Stuart 511 48 1,808,904 37,686 49,149 3,540 4,617 2,359,157 15 Stonegate Bank Pompano Beach 194 15 1,411,039 94,069 111,743 7,273 8,640 1,676,152 16 Citizens First Bank The Villages 191 11 1,388,881 126,262 149,291 7,272 8,598 1,642,204 17 Gibraltar Private Bank & Trust Co. Coral Gables 266 8 1,200,984 150,123 195,964 4,515 5,894 1,567,708 18 C1 Bank Saint Petersburg 246 31 1,165,468 37,596 49,937 4,738 6,293 1,548,045 19 BAC Florida Bank Coral Gables 158 1 1,206,557 1,206,557 1,535,996 7,636 9,721 1,535,996 20 Bank of Tampa Tampa 222 10 1,214,808 121,481 132,691 5,472 5,977 1,326,905 21 CNLBank Orlando 175 16 1,045,509 65,344 81,413 5,974 7,443 1,302,612 22 Seaside National Bank & Trust Orlando 149 13 900,498 69,269 79,973 6,044 6,978 1,039,653 23 First Federal Bank of Florida Lake City 326 19 839,455 44,182 53,770 2,575 3,134 1,021,638 24 Harbor Community Bank Indiantown 276 33 761,304 23,070 28,066 2,758 3,356 926,172 25 HomeBanc National Association Lake Mary 92 13 696,677 53,591 68,528 7,573 9,683 890,870 26 U.S. Century Bank Doral 233 22 789,111 35,869 40,281 3,387 3,803 886,182 27 Old Florida Bank Orlando 179 11 798,511 72,592 80,547 4,461 4,950 886,013 28 Banesco USA Coral Gables 210 6 785,544 130,924 147,529 3,741 4,215 885,172 29 First Florida Integrity Bank Naples 128 8 618,127 77,266 108,243 4,829 6,765 865,942 30 FineMark National Bank & Trust Fort Myers 108 8 656,676 82,085 104,530 6,080 7,743 836,243 31 First State Bank of the Florida Keys Key West 175 12 546,410 45,534 65,058 3,122 4,461 780,690 32 Helm Bank USA Miami 113 1 672,701 672,701 763,932 5,953 6,760 763,932 33 Atlantic Coast Bank Jacksonville 167 12 440,906 36,742 59,608 2,640 4,283 715,294 34 Axiom Bank Maitland 151 22 527,016 23,955 31,649 3,490 4,611 696,283 35 Espirito Santo Bank Miami 109 1 451,412 451,412 676,568 4,141 6,207 676,568 36 Coconut Grove Bank Miami 97 5 499,847 99,969 121,985 5,153 6,288 609,923 37 Community Bank and Trust of Florida Ocala 127 11 538,150 48,923 54,410 4,237 4,713 598,508 38 Wauchula State Bank Wauchula 147 6 506,494 84,416 97,701 3,446 3,988 586,208 39 First National Bank of South Miami South Miami 94 5 470,533 94,107 116,471 5,006 6,195 582,356 40 Beach Community Bank Fort Walton Beach 115 11 506,178 46,016 50,805 4,402 4,860 558,856 41 Bay Cities Bank Tampa 85 5 458,825 91,765 108,586 5,398 6,387 542,932 42 New Traditions Bank Orlando 44 3 465,905 155,302 174,231 10,589 11,879 522,694 43 Florida Bank Tampa 110 13 399,238 30,711 39,856 3,629 4,710 518,122 44 Jacksonville Bank Jacksonville 84 9 440,167 48,907 56,647 5,240 6,069 509,821 45 Community Bank of Broward Dania Beach 84 9 423,193 47,021 55,522 5,038 5,949 499,702 46 Community Bank of Florida, Inc. Homestead 142 11 428,721 38,975 43,151 3,019 3,343 474,663 47 Apollo Bank Miami 107 8 417,641 52,205 59,319 3,903 4,435 474,548 48 Platinum Bank Brandon 91 7 375,638 53,663 66,280 4,128 5,098 463,962 49 Citizens Bank and Trust Lake Wales 147 12 381,950 31,829 37,498 2,598 3,061 449,975 50 Biscayne Bank Coconut Grove 50 3 375,284 125,095 148,632 7,506 8,918 445,896

Rank the Banks Florida 9 of 15 Net Interest Margin

Yield on Loan Growth Deposit Loans/ Investment Net Interest Total Assets Yield on Loans Rate Cost of Funds Growth Rate Deposits Securities (FTE) Margin Ranking Company Name City ($000) (%) (%) (%) (%) (%) (%) (%) 1 TCM Bank, National Association Tampa 179,858 10.83 -0.24 0.73 -0.90 129.12 2.36 9.52 2 Citizens State Bank Perry 240,053 6.94 36.46 0.92 24.70 87.39 2.46 6.61 3 Lafayette State Bank Mayo 93,268 5.75 -11.13 0.40 12.10 76.37 3.38 5.11 4 Home Federal Bank of Hollywood Hallandale Beach 46,062 7.04 -16.15 1.13 -17.19 91.43 NA 4.98 5 BankUnited, National Association Miami Lakes 17,531,242 6.98 42.02 0.73 30.42 84.89 2.77 4.88 6 Drummond Community Bank Chiefland 368,940 6.71 0.87 0.16 2.90 59.30 4.01 4.85 7 FirstAtlantic Bank Jacksonville 380,162 6.58 -3.48 0.56 -2.13 82.52 1.92 4.82 8 Floridian Bank Daytona Beach 406,232 5.78 151.64 0.54 185.92 79.60 2.58 4.63 9 First Green Bank Mount Dora 304,218 5.63 23.17 0.73 29.18 89.40 2.43 4.56 10 Plus International Bank Miami 101,746 6.70 -8.17 0.63 13.00 47.58 3.57 4.51 11 CenterState Bank of Florida, National Association Winter Haven 3,628,030 5.77 67.03 0.23 56.17 79.45 2.85 4.46 12 Capital Bank, National Association Coral Gables 6,690,067 5.51 7.74 0.36 -2.51 91.76 1.77 4.44 13 First Avenue National Bank Ocala 97,748 5.27 11.14 0.45 -2.45 92.89 2.55 4.37 13 Palm Beach Community Bank West Palm Beach 263,651 5.53 6.23 0.59 7.08 88.33 3.06 4.37 15 C1 Bank Saint Petersburg 1,548,045 5.83 18.19 0.66 13.91 97.01 NM 4.35 16 Florida Bank of Commerce Orlando 245,317 5.48 10.27 0.25 2.11 87.92 1.82 4.33 17 First Citrus Bank Tampa 248,195 5.24 17.71 0.60 12.15 104.75 4.91 4.32 18 Patriot Bank Trinity 130,699 5.37 2.90 0.57 4.56 85.05 2.64 4.30 19 1st Manatee Bank Parrish 107,839 5.66 7.28 0.81 1.48 90.03 3.01 4.29 20 First National Bank of Wauchula Wauchula 77,723 6.27 6.46 0.61 5.04 66.90 2.30 4.26 20 Old Florida Bank Orlando 886,013 5.36 25.20 0.30 11.25 88.68 0.96 4.26 22 Wauchula State Bank Wauchula 586,208 5.57 -1.75 0.50 1.51 77.43 4.39 4.25 23 First Bank Clewiston 266,705 5.50 12.14 0.36 10.28 81.24 1.12 4.24 24 Freedom Bank of America Saint Petersburg 124,370 4.88 31.51 0.48 17.70 97.82 2.67 4.23 24 Banesco USA Coral Gables 885,172 5.86 15.60 0.45 10.17 75.04 2.56 4.23 26 Gulf Coast Community Bank Pensacola 141,942 5.75 -15.34 0.50 -14.52 68.65 2.36 4.22 27 Sanibel Captiva Community Bank Sanibel 260,857 5.20 9.84 0.63 7.98 101.67 2.15 4.21 28 Peoples State Bank Lake City 69,205 5.44 1.27 0.52 2.03 82.18 2.37 4.20 29 First Home Bank Seminole 76,375 5.47 -0.45 0.34 -1.66 84.07 4.77 4.19 30 Community State Bank Starke 62,406 7.01 21.49 0.14 3.31 57.04 2.41 4.18 31 OptimumBank Plantation 122,642 6.05 -8.30 0.78 -8.75 86.37 3.30 4.17 32 Landmark Bank, National Association Fort Lauderdale 348,177 5.67 32.83 0.84 40.33 110.25 2.27 4.16 33 One South Bank Chipley 37,516 5.64 11.35 0.67 0.39 97.87 2.91 4.15 33 Harbor Community Bank Indiantown 926,172 6.43 32.89 0.38 51.73 62.26 1.74 4.15 35 Sunshine Savings Bank Tallahassee 148,562 5.49 8.61 0.30 -1.14 80.58 2.07 4.10 36 Mainstreet Community Bank of Florida Deland 247,736 5.39 19.14 0.37 4.73 83.03 1.70 4.09 37 Preferred Community Bank Fort Myers 89,370 5.19 16.46 0.67 13.14 86.68 2.44 4.08 38 Summit Bank, National Association Panama City 320,437 6.43 10.50 0.37 20.80 59.70 2.34 4.06 39 Surety Bank Deland 96,688 6.20 -15.75 1.05 -6.98 63.24 4.44 4.05 40 Community Bank of Broward Dania Beach 499,702 4.84 8.44 0.40 4.30 101.61 1.99 4.03 41 Nature Coast Bank Hernando 54,766 5.14 -1.63 0.39 -5.26 84.46 2.18 4.02 41 CBC National Bank Fernandina Beach 444,784 4.85 19.05 0.68 -4.38 101.19 3.16 4.02 43 Biscayne Bank Coconut Grove 445,896 5.26 43.83 0.75 22.89 102.69 1.68 4.00 44 First Bank of the Palm Beaches West Palm Beach 106,833 4.78 8.80 0.46 24.39 72.11 3.82 3.97 45 Community Bank of Florida, Inc. Homestead 474,663 5.36 1.77 0.45 -0.24 77.90 2.40 3.95 46 Flagler Bank West Palm Beach 158,719 6.52 18.35 0.75 3.68 63.53 1.89 3.92 46 Platinum Bank Brandon 463,962 5.42 17.18 0.77 3.21 98.04 2.16 3.92 48 Flagship Community Bank Clearwater 97,628 5.28 9.91 0.63 4.55 98.06 NA 3.91 48 Gateway Bank of Central Florida Ocala 191,592 4.92 18.56 0.59 -0.85 96.07 5.37 3.91 48 Sunrise Bank Cocoa Beach 116,070 5.44 14.62 0.39 7.88 74.96 2.24 3.91

Rank the Banks Florida 10 of 15 Noninterest Income

Service Charges Gain on Sale Net Gains on Total Noninterest on Deposits / of Loans/ Avg Net Servicing OREO/ Avg Noninterest Income/ Total Assets Net Income Avg Assets Asset Fees/ Avg Assets Assets Income Avg Assets Ranking Company Name City ($000) ($000) (%) (%) (%) (%) ($000) (%) 1 CBC National Bank Fernandina Beach 444,784 1,798 0.07 6.64 0.17 -0.26 27,404 6.87 2 TCM Bank, National Association Tampa 179,858 3,020 0.00 0.00 0.00 0.00 11,352 6.50 3 Southern Commerce Bank, National Association Tampa 77,178 12,632 3.40 0.00 0.01 0.10 3,478 4.50 4 Commerce National Bank & Trust Winter Park 80,335 599 0.04 0.00 0.03 0.00 2,655 3.41 5 Independent Bankers' Bank of Florida Lake Mary 165,053 -935 1.52 0.00 0.00 -0.20 4,639 2.52 6 Florida Capital Bank, N.A. Jacksonville 392,797 -6,349 0.08 1.31 0.00 -0.03 9,649 2.36 6 Mackinac Savings Bank, FSB Boynton Beach 110,861 -115 0.01 1.65 0.61 0.06 2,657 2.36 8 FNBT.Com Bank Fort Walton Beach 368,323 3,443 0.26 0.00 0.00 0.11 8,543 2.30 9 Capital City Bank Tallahassee 2,481,086 11,380 0.97 0.12 0.00 -0.16 49,577 1.95 10 First Federal Bank of Florida Lake City 1,021,638 8,187 0.42 0.02 0.97 -0.06 19,247 1.91 11 EverBank Jacksonville 20,504,688 134,301 0.08 0.88 0.60 -0.01 349,155 1.90 12 First National Bank of Mount Dora Mount Dora 201,699 1,332 0.20 0.00 0.00 -0.20 3,681 1.85 13 1st Manatee Bank Parrish 107,839 960 0.01 1.53 0.23 -0.01 1,880 1.78 14 Charlotte State Bank & Trust Port Charlotte 278,298 3,805 0.20 0.00 0.00 0.03 4,288 1.57 15 Espirito Santo Bank Miami 676,568 1,396 0.15 0.09 0.00 0.02 11,487 1.56 16 Community State Bank Starke 62,406 179 0.83 0.00 0.00 0.02 887 1.48 17 HomeBanc National Association Lake Mary 890,870 4,007 0.05 1.22 0.02 0.00 10,998 1.43 18 Paradise Bank Boca Raton 322,552 6,275 0.11 0.86 0.17 0.00 4,094 1.33 19 Sunshine Savings Bank Tallahassee 148,562 -8 0.47 0.10 0.01 0.04 1,888 1.30 20 FineMark National Bank & Trust Fort Myers 836,243 3,351 0.01 0.00 0.00 0.00 9,436 1.26 21 Summit Bank, National Association Panama City 320,437 2,623 0.12 0.00 0.00 0.09 3,364 1.21 22 Drummond Community Bank Chiefland 368,940 4,968 0.53 0.00 0.00 0.10 4,365 1.20 23 Beach Community Bank Fort Walton Beach 558,856 -6,706 0.09 0.37 0.00 -0.13 6,760 1.19 24 Oculina Bank Fort Pierce 175,362 1,510 0.10 0.58 0.06 0.03 1,843 1.10 25 Helm Bank USA Miami 763,932 2,084 0.43 0.00 0.00 0.01 8,243 1.04 25 Seacoast National Bank Stuart 2,359,157 10,287 0.27 0.17 0.00 -0.01 23,671 1.04 27 Gulf Coast Community Bank Pensacola 141,942 152 0.19 0.00 0.00 0.11 1,556 1.02 28 Intercontinental Bank West Miami 163,602 -6 0.80 0.00 0.00 0.09 1,647 1.00 28 Axiom Bank Maitland 696,283 3,464 0.31 0.00 0.00 0.01 6,403 1.00 28 Citizens Bank and Trust Lake Wales 449,975 3,315 0.29 0.00 0.00 -0.13 4,347 1.00 31 First Florida Bank Destin 268,629 2,693 0.10 0.74 0.00 -0.03 2,484 0.99 32 First Bank Clewiston 266,705 1,302 0.38 0.08 0.02 -0.01 2,484 0.97 33 First Home Bank Seminole 76,375 458 0.17 0.00 0.00 0.05 650 0.90 34 OptimumBank Plantation 122,642 -148 0.02 0.00 0.00 0.40 1,153 0.89 34 United Southern Bank Umatilla 402,294 2,276 0.20 0.00 0.00 0.06 3,613 0.89 36 Banesco USA Coral Gables 885,172 1,848 0.22 0.00 0.00 -0.02 7,356 0.88 37 Harbor Community Bank Indiantown 926,172 2,400 0.13 0.28 0.00 -0.15 5,839 0.87 38 Continental National Bank Miami 361,516 1,340 0.56 0.00 0.00 0.00 2,992 0.85 39 Regent Bank Davie 352,036 -12,671 0.23 0.04 0.00 -0.11 3,002 0.83 40 Englewood Bank & Trust Englewood 202,287 2,065 0.09 0.00 0.00 0.07 1,674 0.82 41 Landmark Bank, National Association Fort Lauderdale 348,177 4,476 0.02 0.00 0.00 0.01 2,425 0.81 42 Community Bank of Florida, Inc. Homestead 474,663 2,192 0.49 0.00 0.00 -0.15 3,841 0.80 43 First City Bank of Florida Fort Walton Beach 227,590 -292 0.21 0.00 0.00 -0.08 1,847 0.79 43 BAC Florida Bank Coral Gables 1,535,996 9,809 0.03 0.03 0.06 0.03 11,462 0.79 45 FirstCity Bank of Commerce Palm Beach Gardens 65,302 169 0.61 0.08 0.00 0.00 472 0.78 46 Sunstate Bank Miami 184,012 2,903 0.16 0.00 0.00 0.09 1,275 0.77 47 Bank of Pensacola Pensacola 65,412 -442 0.23 0.00 0.00 0.00 450 0.76 48 Ocean Bank Miami 3,256,573 34,520 0.29 0.04 0.00 0.09 24,661 0.75 48 First Avenue National Bank Ocala 97,748 143 0.17 0.00 0.02 0.05 706 0.75 50 Coconut Grove Bank Miami 609,923 889 0.16 0.00 0.00 -0.01 4,520 0.74

Rank the Banks Florida 11 of 15 Total Overhead

Personnel Occupancy Other Efficiency Expense/ Expense/ Expense/ Total Overhead/ Total Assets Ratio (FTE) Total Number of Avg. Assets Avg. Assets Avg. Assets Avg. Assets Ranking Company Name City ($000) (%) Employees Offices (%) (%) (%) (%) 1 Raymond James Bank, National Association Saint Petersburg 12,547,902 27 172 1 0.21 0.01 0.59 0.81 2 Citizens First Bank The Villages 1,642,204 43 191 11 0.66 0.18 0.37 1.22 3 New Traditions Bank Orlando 522,694 49 44 3 0.76 0.13 0.55 1.45 4 Biscayne Bank Coconut Grove 445,896 42 50 3 1.07 0.25 0.42 1.74 5 City National Bank of Florida Miami 5,101,902 56 463 26 1.03 0.27 0.48 1.79 6 Peoples Bank of Graceville Graceville 90,112 51 15 1 1.06 0.18 0.58 1.81 7 Intercontinental Bank West Miami 163,602 70 20 1 0.94 0.10 0.87 1.92 8 Hillsboro Bank Plant City 111,474 56 21 2 1.15 0.23 0.55 1.93 9 Intracoastal Bank Palm Coast 221,417 57 24 1 1.10 0.22 0.64 1.96 10 Gateway Bank of Florida Daytona Beach 227,171 88 33 3 1.01 0.21 0.81 2.03 11 Community Bank of the South Merritt Island 149,330 78 21 3 1.17 0.25 0.66 2.08 12 USAmeriBank Clearwater 3,009,916 55 498 28 1.30 0.27 0.57 2.14 13 Flagler Bank West Palm Beach 158,719 58 24 2 1.05 0.24 0.88 2.17 14 Mercantil Commercebank, National Association Coral Gables 7,784,603 77 836 22 1.35 0.30 0.52 2.18 15 First Colony Bank of Florida Maitland 169,507 60 17 1 1.32 0.25 0.62 2.19 16 Bank of Belle Glade Belle Glade 82,672 82 17 1 1.07 0.20 0.95 2.22 17 Florida Community Bank, National Association Weston 5,929,291 71 630 55 1.21 0.27 0.79 2.27 18 BAC Florida Bank Coral Gables 1,535,996 66 158 1 1.16 0.17 0.95 2.28 19 Marquis Bank Coral Gables 256,931 68 31 1 1.36 0.32 0.59 2.28 20 First National Bank of South Miami South Miami 582,356 75 94 5 1.36 0.25 0.69 2.30 21 American National Bank Oakland Park 281,384 67 37 1 1.36 0.19 0.76 2.31 22 Bank of Central Florida Lakeland 341,556 67 59 4 1.48 0.22 0.62 2.33 23 Florida Business Bank Melbourne 108,126 74 15 1 1.19 0.26 0.92 2.37 24 Madison County Community Bank Madison 111,154 69 22 1 1.11 0.35 0.92 2.38 25 Merchants & Southern Bank Gainesville 397,892 69 119 13 1.35 0.40 0.65 2.40 26 TransCapital Bank Sunrise 166,275 70 26 3 0.77 0.28 1.36 2.41 27 Community Bank and Trust of Florida Ocala 598,508 65 127 11 1.33 0.31 0.77 2.42 28 Heartland National Bank Sebring 302,112 75 54 4 1.15 0.22 1.05 2.42 29 Sabadell United Bank, N.A. Miami 4,587,437 70 511 29 1.22 0.25 0.97 2.44 30 Fidelity Bank of Florida, National Association Merritt Island 254,602 82 42 2 1.18 0.15 1.11 2.44 31 GulfShore Bank Tampa 298,942 78 40 2 1.45 0.36 0.65 2.47 32 Wauchula State Bank Wauchula 586,208 50 147 6 1.50 0.33 0.64 2.47 33 Stonegate Bank Pompano Beach 1,676,152 67 194 15 1.35 0.41 0.71 2.47 34 Landmark Bank, National Association Fort Lauderdale 348,177 51 48 6 1.42 0.39 0.68 2.50 35 First State Bank of the Florida Keys Key West 780,690 74 175 12 1.46 0.42 0.67 2.55 36 Warrington Bank Pensacola 85,199 91 21 2 1.23 0.31 1.02 2.57 37 Bank of the South Pensacola 71,351 110 20 2 1.40 0.37 0.80 2.57 38 Community Southern Bank Lakeland 245,523 77 47 3 1.51 0.29 0.78 2.58 39 Bank of Tampa Tampa 1,326,905 70 222 10 1.49 0.38 0.72 2.59 40 BankUnited, National Association Miami Lakes 17,531,242 54 1,623 108 1.09 0.43 1.08 2.60 41 Coconut Grove Bank Miami 609,923 92 97 5 1.43 0.39 0.78 2.61 42 CNLBank Orlando 1,302,612 83 175 16 1.40 0.48 0.75 2.63 43 Sunrise Bank Cocoa Beach 116,070 71 23 2 1.36 0.49 0.79 2.64 44 Reunion Bank of Florida Tavares 266,945 69 44 4 1.58 0.49 0.58 2.65 45 Edison National Bank Fort Myers 241,755 87 39 4 1.32 0.40 0.94 2.66 46 TotalBank Miami 2,667,013 83 450 21 1.57 0.36 0.73 2.66 47 Lafayette State Bank Mayo 93,268 60 33 4 0.54 0.58 1.57 2.69 48 Sanibel Captiva Community Bank Sanibel 260,857 68 49 3 1.50 0.23 0.96 2.70 49 Englewood Bank & Trust Englewood 202,287 64 47 4 1.38 0.32 1.01 2.71 50 Prime Meridian Bank Tallahassee 204,380 72 41 2 1.52 0.46 0.74 2.71

Rank the Banks Florida 12 of 15 Asset Quality

Loan Loss Adj NPLs + Adj Reserves/ Adj 30-89PD/ Adj 90+PD/ OREO/ Net Chargeoffs/ Asset Quality Total Assets Gross Loans Gross Loans Gross Loans Gross Loans Gross Loans Avg Loans Composite Ranking Company Name City ($000) ($000) (%) (%) (%) (%) (%) (%) 1 One South Bank Chipley 37,516 28,630 1.10 0.00 0.00 0.00 0.00 0.00 2 Bank of Pensacola Pensacola 65,412 18,348 1.00 0.00 0.00 0.00 0.07 0.07 3 Intracoastal Bank Palm Coast 221,417 117,037 1.33 0.00 0.00 0.12 0.00 0.12 4 Sabal Palm Bank Sarasota 107,146 78,196 1.72 0.00 0.00 0.00 0.26 0.26 5 Professional Bank Coral Gables 251,299 179,392 0.97 0.01 0.00 0.29 0.01 0.31 6 FineMark National Bank & Trust Fort Myers 836,243 596,565 1.15 0.00 0.00 0.39 0.00 0.39 7 Florida Bank Tampa 518,122 324,444 2.23 0.12 0.00 0.65 -0.33 0.44 8 Biscayne Bank Coconut Grove 445,896 385,370 1.01 0.26 0.00 0.29 0.00 0.55 9 First Green Bank Mount Dora 304,218 239,998 1.32 0.00 0.00 0.55 0.01 0.56 10 BankUnited, National Association Miami Lakes 17,531,242 11,087,895 0.71 0.13 0.05 0.32 0.15 0.65 11 Bank of Central Florida Lakeland 341,556 250,491 0.93 0.00 0.00 0.56 0.13 0.69 12 Hillsboro Bank Plant City 111,474 42,477 1.88 0.00 0.00 0.72 0.00 0.72 13 Jefferson Bank of Florida Oldsmar 216,776 142,829 1.37 0.00 0.00 0.66 0.07 0.73 14 Summit Bank, National Association Panama City 320,437 153,175 1.58 0.14 0.04 0.59 0.00 0.77 15 Eastern National Bank Miami 399,230 331,883 1.40 0.03 0.00 0.76 0.02 0.81 16 New Traditions Bank Orlando 522,694 342,285 0.31 0.00 0.00 0.78 0.07 0.85 17 City National Bank of Florida Miami 5,101,902 3,274,411 1.45 0.09 0.01 0.85 -0.06 0.88 18 Bank of the South Pensacola 71,351 15,660 1.30 0.00 0.98 0.00 0.00 0.98 19 First National Bank of South Miami South Miami 582,356 237,037 1.15 0.28 0.00 0.75 -0.02 1.00 20 1st Manatee Bank Parrish 107,839 84,746 1.26 0.14 0.00 0.71 0.17 1.02 21 Raymond James Bank, National Association Saint Petersburg 12,547,902 11,111,873 1.33 0.02 0.00 0.99 0.02 1.03 22 Prime Meridian Bank Tallahassee 204,380 147,798 1.37 0.08 0.00 0.71 0.39 1.18 23 Oculina Bank Fort Pierce 175,362 148,418 1.22 0.00 0.00 1.54 -0.25 1.29 24 Stonegate Bank Pompano Beach 1,676,152 1,233,622 1.49 0.07 0.00 1.23 -0.01 1.29 25 Reunion Bank of Florida Tavares 266,945 202,320 0.93 0.26 0.00 0.97 0.09 1.32 26 Community Southern Bank Lakeland 245,523 154,412 1.20 0.12 0.00 1.19 0.02 1.33 27 GulfShore Bank Tampa 298,942 182,909 1.25 0.00 0.00 1.24 0.10 1.34 28 Mercantil Commercebank, National Association Coral Gables 7,784,603 5,068,397 1.21 0.21 0.01 1.06 0.10 1.37 29 Preferred Community Bank Fort Myers 89,370 66,426 1.36 0.00 0.00 1.49 -0.02 1.47 30 Warrington Bank Pensacola 85,199 27,211 0.98 0.27 1.19 0.00 0.01 1.48 31 First Florida Integrity Bank Naples 865,942 611,030 1.14 0.02 0.00 1.32 0.16 1.49 32 Marquis Bank Coral Gables 256,931 203,379 1.32 0.01 0.00 1.65 -0.01 1.65 33 Old Florida Bank Orlando 886,013 708,154 1.18 0.00 0.00 1.79 -0.01 1.78 34 Continental National Bank Miami 361,516 207,448 1.07 0.34 0.01 1.52 0.01 1.87 35 Sunrise Bank Cocoa Beach 116,070 75,497 2.53 0.00 0.00 2.03 -0.01 2.02 36 Insignia Bank Sarasota 179,163 144,270 1.43 0.47 0.00 1.50 0.18 2.15 37 Edison National Bank Fort Myers 241,755 123,808 1.80 0.00 0.00 1.74 0.44 2.18 38 First Home Bank Seminole 76,375 52,838 2.57 0.27 0.05 1.52 0.40 2.24 39 American National Bank Oakland Park 281,384 179,432 1.01 0.00 0.00 2.30 0.00 2.30 40 Mackinac Savings Bank, FSB Boynton Beach 110,861 46,351 0.84 0.72 0.00 1.65 0.00 2.37 41 Seaside National Bank & Trust Orlando 1,039,653 760,867 1.21 0.56 0.00 1.62 0.22 2.40 42 Apollo Bank Miami 474,548 324,699 0.76 0.24 0.00 1.89 0.28 2.41 43 First Colony Bank of Florida Maitland 169,507 114,254 1.73 0.85 0.00 1.59 0.00 2.44 44 United Legacy Bank Longwood 229,398 154,004 1.41 0.18 0.00 2.00 0.25 2.44 45 USAmeriBank Clearwater 3,009,916 2,457,089 1.07 0.34 0.03 1.97 0.11 2.45 46 Sabadell United Bank, N.A. Miami 4,587,437 3,185,804 1.11 0.24 0.76 1.48 -0.01 2.47 47 TotalBank Miami 2,667,013 1,791,197 1.10 0.11 0.00 2.50 -0.11 2.50 48 Florida Business Bank Melbourne 108,126 69,371 1.90 0.33 0.00 2.16 0.12 2.61 49 Encore Bank, National Association Naples 328,787 202,929 1.05 0.34 0.59 1.65 0.05 2.63 50 Floridian Bank Daytona Beach 406,232 272,793 1.68 0.07 0.00 1.58 1.00 2.65

Rank the Banks Florida 13 of 15 Return on Average Equity

LTM Net Income 2013Q3 2012Q3 Total Assets LTM Net Income ($000)/ LTM Net Income LTM Net Income ROAA ROAE Ranking Company Name City ($000) ($000) Total Employees Employee ($000) ($000) (%) (%) 1 Legacy Bank of Florida Boca Raton 274,934 10,518 47 224 -76 -2,095 4.14 54.10 2 Southern Commerce Bank, National Association Tampa 77,178 12,632 32 395 -1,355 -2,104 16.33 53.75 3 Fidelity Bank of Florida, National Association Merritt Island 254,602 13,175 42 314 3,052 -1,004 4.88 47.93 4 Floridian Bank Daytona Beach 406,232 12,265 81 151 134 656 4.57 44.26 5 Marine Bank & Trust Company Vero Beach 149,150 3,689 34 109 177 -3,482 2.50 28.10 6 Freedom Bank of America Saint Petersburg 124,370 3,129 29 108 -1,106 -1,219 2.96 25.27 7 Anchor Commercial Bank Juno Beach 102,471 2,041 21 97 -671 -2,328 1.92 22.06 8 Biscayne Bank Coconut Grove 445,896 4,927 50 99 4,877 2,522 1.33 14.99 9 Paradise Bank Boca Raton 322,552 6,275 46 136 4,800 4,555 1.35 14.26 10 Eastern National Bank Miami 399,230 5,455 91 60 2,585 -7,467 1.43 13.96 11 Sunstate Bank Miami 184,012 2,903 37 78 4,292 -3,949 1.75 13.57 12 Raymond James Bank, National Association Saint Petersburg 12,547,902 157,892 172 918 169,239 154,754 1.35 13.15 13 BankUnited, National Association Miami Lakes 17,531,242 214,106 1,623 132 227,249 206,126 1.37 12.73 14 Wauchula State Bank Wauchula 586,208 9,634 147 66 6,665 8,526 1.25 12.16 15 Flagler Bank West Palm Beach 158,719 2,587 24 108 1,553 981 1.06 11.45 16 Charlotte State Bank & Trust Port Charlotte 278,298 3,805 88 43 2,084 2,561 0.98 11.26 17 USAmeriBank Clearwater 3,009,916 29,746 498 60 36,610 18,092 1.02 11.10 18 Intracoastal Bank Palm Coast 221,417 2,901 24 121 2,552 2,193 0.90 11.00 19 Landmark Bank, National Association Fort Lauderdale 348,177 4,476 48 93 2,757 2,263 1.49 10.65 20 Citizens State Bank Perry 240,053 2,570 53 48 1,721 694 0.83 10.22 21 Mainstreet Community Bank of Florida Deland 247,736 3,287 52 63 2,272 1,562 0.90 9.69 22 First Florida Bank Destin 268,629 2,693 51 53 3,032 2,309 1.07 9.67 23 Florida Bank Tampa 518,122 5,097 110 46 -9,214 -2,987 0.96 9.53 24 Oculina Bank Fort Pierce 175,362 1,510 61 25 -740 -568 0.90 9.27 25 Community Bank and Trust of Florida Ocala 598,508 5,795 127 46 5,229 4,614 0.96 9.26 26 Citizens First Bank The Villages 1,642,204 12,266 191 64 19,324 25,222 0.75 9.12 27 Ocean Bank Miami 3,256,573 34,520 681 51 164,788 41,724 1.05 9.06 28 Drummond Community Bank Chiefland 368,940 4,968 120 41 4,625 3,138 1.11 8.85 29 Bank of Tampa Tampa 1,326,905 8,878 222 40 7,845 7,813 0.68 8.70 30 First Home Bank Seminole 76,375 458 25 18 125 -2,174 0.64 8.63 31 1st Manatee Bank Parrish 107,839 960 27 36 1,075 670 0.91 8.62 32 Hillsboro Bank Plant City 111,474 1,195 21 57 711 772 1.03 8.52 33 First Colony Bank of Florida Maitland 169,507 2,267 17 133 1,785 1,425 0.93 8.48 34 Old Florida Bank Orlando 886,013 6,520 179 36 5,744 6,030 0.78 8.40 35 Peoples Bank of Graceville Graceville 90,112 1,252 15 83 1,266 1,285 1.13 8.35 36 Sanibel Captiva Community Bank Sanibel 260,857 1,921 49 39 2,476 945 0.80 8.06 37 Englewood Bank & Trust Englewood 202,287 2,065 47 44 1,931 359 0.71 7.97 38 EverBank Jacksonville 20,504,688 134,301 3,118 43 154,117 63,984 0.73 7.93 39 BAC Florida Bank Coral Gables 1,535,996 9,809 158 62 6,827 3,336 0.67 7.90 40 Community Bank of Broward Dania Beach 499,702 3,378 84 40 1,726 1,800 0.69 7.79 41 Executive National Bank Miami 321,348 2,386 80 30 1,729 1,277 0.74 7.73 42 Merchants & Southern Bank Gainesville 397,892 4,551 119 38 2,990 1,946 0.72 7.53 43 Gateway Bank of Central Florida Ocala 191,592 1,388 36 39 876 -90 0.75 7.40 44 1st National Bank of South Florida Homestead 308,351 2,066 89 23 660 411 0.66 7.33 45 Palm Beach Community Bank West Palm Beach 263,651 3,355 49 68 3,055 2,525 0.91 7.25 46 Gibraltar Private Bank & Trust Co. Coral Gables 1,567,708 9,215 266 35 -10,509 -16,006 0.58 7.21 47 Summit Bank, National Association Panama City 320,437 2,623 43 61 2,874 1,795 0.94 7.16 48 TCM Bank, National Association Tampa 179,858 3,020 45 67 4,050 4,590 1.73 7.14 49 Brannen Bank Inverness 421,786 3,192 117 27 4,200 5,239 0.53 7.08 50 Bank of Central Florida Lakeland 341,556 2,381 59 40 2,190 1,777 0.71 6.88

Rank the Banks Florida 14 of 15 Composite Ranking

Net Interest Noninterest Total Assets Margin Income Total Overhead Asset Quality ROAE Composite Ranking Company Name City ($000) Ranking Ranking Ranking Ranking Ranking Ranking 1 BankUnited, National Association Miami Lakes 17,531,242 5 72 40 10 13 28 2 Biscayne Bank Coconut Grove 445,896 43 147 4 8 8 42 3 Summit Bank, National Association Panama City 320,437 38 21 101 14 47 44 4 Paradise Bank Boca Raton 322,552 55 18 95 51 9 46 5 USAmeriBank Clearwater 3,009,916 74 88 12 45 17 47 6 1st Manatee Bank Parrish 107,839 19 13 162 20 31 49 7 Floridian Bank Daytona Beach 406,232 8 56 130 50 4 50 8 Old Florida Bank Orlando 886,013 20 124 55 33 34 53 9 Mainstreet Community Bank of Florida Deland 247,736 36 80 70 62 21 54 10 Landmark Bank, National Association Fort Lauderdale 348,177 32 41 34 151 19 55 11 Drummond Community Bank Chiefland 368,940 6 22 142 80 28 56 11 Wauchula State Bank Wauchula 586,208 22 68 32 142 14 56 13 Intracoastal Bank Palm Coast 221,417 106 147 9 3 18 57 13 First Green Bank Mount Dora 304,218 9 124 80 9 61 57 15 First Home Bank Seminole 76,375 29 33 155 38 30 57 16 Oculina Bank Fort Pierce 175,362 87 24 131 23 24 58 17 First Florida Bank Destin 268,629 92 31 73 79 22 59 18 TCM Bank, National Association Tampa 179,858 1 2 175 73 48 60 19 Marine Bank & Trust Company Vero Beach 149,150 74 80 83 60 5 60 20 Stonegate Bank Pompano Beach 1,676,152 80 106 33 24 66 62 21 Capital Bank, National Association Coral Gables 6,690,067 12 64 65 91 79 62 22 Florida Bank Tampa 518,122 83 111 92 7 23 63 23 Palm Beach Community Bank West Palm Beach 263,651 13 150 57 54 45 64 24 Florida Bank of Commerce Orlando 245,317 16 111 77 66 53 65 25 Bank of Tampa Tampa 1,326,905 127 72 39 57 29 65 26 Eastern National Bank Miami 399,230 113 77 112 15 10 65 26 Executive National Bank Miami 321,348 72 52 107 55 41 65 26 Hillsboro Bank Plant City 111,474 122 153 8 12 32 65 29 Bank of Central Florida Lakeland 341,556 100 145 22 11 50 66 30 Community Bank and Trust of Florida Ocala 598,508 139 62 27 77 25 66 30 Ocean Bank Miami 3,256,573 62 48 74 119 27 66 32 FineMark National Bank & Trust Fort Myers 836,243 154 20 82 6 74 67 33 First Colony Bank of Florida Maitland 169,507 85 161 15 43 33 67 34 Freedom Bank of America Saint Petersburg 124,370 24 142 93 74 6 68 34 Reunion Bank of Florida Tavares 266,945 72 142 44 25 56 68 36 C1 Bank Saint Petersburg 1,548,045 15 64 79 105 77 68 37 Sunrise Bank Cocoa Beach 116,070 48 163 43 35 52 68 37 Gateway Bank of Central Florida Ocala 191,592 48 106 75 69 43 68 39 American National Bank Oakland Park 281,384 87 130 21 39 68 69 39 Raymond James Bank, National Association Saint Petersburg 12,547,902 147 164 1 21 12 69 41 Englewood Bank & Trust Englewood 202,287 102 40 49 120 37 70 42 Preferred Community Bank Fort Myers 89,370 37 96 99 29 99 72 43 BAC Florida Bank Coral Gables 1,535,996 155 43 18 107 39 72 44 First Bank Clewiston 266,705 23 32 140 96 73 73 45 Charlotte State Bank & Trust Port Charlotte 278,298 102 14 90 143 16 73 45 Prime Meridian Bank Tallahassee 204,380 83 119 50 22 91 73 45 New Traditions Bank Orlando 522,694 145 150 3 16 51 73 48 Mercantil Commercebank, National Association Coral Gables 7,784,603 169 52 14 28 103 73 49 FirstAtlantic Bank Jacksonville 380,162 7 134 86 75 69 74 50 Merchants & Southern Bank Gainesville 397,892 116 101 25 90 42 75

Rank the Banks Florida 15 of 15