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COMMUNITY BANK LANDSCAPE Florida 1St Quarter 2019

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COMMUNITY BANK LANDSCAPE Florida 1St Quarter 2019 COMMUNITY BANK LANDSCAPE Florida 1st Quarter 2019 ATLANTA | LOS ANGELES | CHICAGO | WASHINGTON, D.C. | SAN FRANCISCO| JACKSONVILLE | NASHVILLE | NEW JERSEY | RALEIGH TABLE OF CONTENTS SECTION DESCRIPTION I. FLORIDA BANK DATA II. FIG PARTNERS UPDATE 2 I. FLORIDA BANK DATA OVERVIEW – FLORIDA BANK REGULATORY DATA Panhandle North METHODOLOGY ▪ 8 regions separated by geographic relevance Tampa ▪ Data as of most recent available Bay Central Atlantic quarter – March 31, 2019 Coast ▪ Regulatory call report data shown for all banks Southwest Sunshine KEY STATE OBSERVATIONS Coast ▪ Median loan growth of 5.99% ▪ Median NIM of 3.65% South NOTES FOR ALL REGIONS: NPAs = Nonaccrual Loans + (Loans 90+ PD ) + Restructured Loans + OREO Nonaccrual loans, Loans 90+ PD and OREO are adjusted to exclude the FDIC guaranteed portion of these assets Source: S&P Global Market Intelligence, Most Recent Available Quarter 4 FLORIDA PANHANDLE BANKS Company Information Balance Sheet Highlights Capital Adequacy Asset Quality Financial Performance Total Total MRQ Total MRQ Lns / Leverage RBC NPA/ LLR/ NCOs/ MRQ MRQ MRQ MRQ Assets Lns Growth Deposits Growth Dep. Ratio Ratio Assets Loans Loans Net Inc. ROAA N.I.M. Efficiency Name City ($M) ($M) (%) ($M) (%) (%) (%) (%) (%) (%) (%) ($000) (%) (%) (%) Bank of Pensacola Pensacola $84 $41 33.5 % $73 1.4 % 56.3 % 13.41 % 30.72 % 0.00 % 0.97 % 0.00 % $28 0.13 % 2.53 % 89.7 % Bank of the South Pensacola 78 25 (5.9) 64 (32.9) 39.0 18.93 58.81 0.00 1.05 0.00 33 0.17 2.59 91.7 Beach Community Bank Fort Walton Beach 471 272 12.3 370 (3.0) 73.3 11.42 19.23 8.75 0.78 0.08 181 0.15 3.09 98.4 Capital City Bank Tallahassee 3,035 1,802 4.6 2,647 13.9 68.1 10.08 16.40 0.91 0.78 0.19 7,041 0.94 3.78 73.3 First City Bank of Florida Fort Walton Beach 155 96 (15.5) 141 (6.4) 68.0 2.54 4.60 24.10 2.81 (0.47) (205) (0.53) 3.99 115.0 First Florida Bank Destin 426 238 21.7 364 8.8 65.4 12.55 23.42 0.16 1.45 0.15 1,348 1.30 3.61 62.8 FNBT Bank Fort Walton Beach 438 166 21.7 362 (9.4) 46.0 11.01 21.29 0.71 2.84 (1.00) 1,634 1.51 3.78 67.1 Frst Natl Bk NW FL Panama City 173 68 (14.0) 155 51.5 43.9 10.91 34.56 0.00 1.84 0.00 617 1.50 3.33 54.9 One Florida Bank Chipley 146 46 76.7 72 262.3 64.3 88.35 152.14 0.35 1.00 0.02 (569) (2.82) 2.49 197.1 Peoples Bank of Graceville Graceville 98 41 30.2 87 (5.6) 47.5 11.23 41.27 0.85 0.94 0.13 343 1.36 2.78 55.4 PNB Community Bank Niceville 103 60 13.1 92 17.9 64.9 11.27 22.57 1.78 1.26 (0.08) 94 0.37 4.31 88.9 Prime Meridian Bank Tallahassee 427 300 1.3 387 26.0 77.4 9.18 14.25 0.29 1.27 0.03 971 0.92 3.69 64.4 Summit Bank NA Panama City 519 281 (21.4) 449 44.2 62.7 11.68 17.61 0.66 1.54 0.00 2,474 2.00 4.23 50.7 Warrington Bank Pensacola 85 28 (12.1) 69 7.6 39.7 18.60 43.97 0.00 1.06 0.00 105 0.51 2.66 77.1 Average 446 247 10.5 381 26.9 58.3 17.23 35.77 2.75 1.40 (0.07) 1,007 0.54 3.35 84.7 Median 164 82 8.5 148 8.2 63.5 11.35 23.00 0.51 1.16 0.00 262 0.72 3.47 75.2 Source: S&P Global Market Intelligence, Most Recent Available Quarter 5 NORTH FLORIDA BANKS Company Information Balance Sheet Highlights Capital Adequacy Asset Quality Financial Performance Total Total MRQ Total MRQ Lns / Leverage RBC NPA/ LLR/ NCOs/ MRQ MRQ MRQ MRQ Assets Lns Growth Deposits Growth Dep. Ratio Ratio Assets Loans Loans Net Inc. ROAA N.I.M. Efficiency Name City ($M) ($M) (%) ($M) (%) (%) (%) (%) (%) (%) (%) ($000) (%) (%) (%) Citizens State Bank Perry 278 196 11.3 % 239 (20.5) % 82.0 % 10.35 % 14.63 % 0.42 % 1.03 % 0.65 % 383 0.54 % 3.99 % 78.6 % Columbia Bank Lake City 213 151 (9.1) 190 15.1 79.4 10.81 15.43 4.12 1.62 (0.17) 137 0.26 3.65 93.0 Community Bank & Trust of FL Ocala 733 305 (1.3) 663 (6.2) 46.0 9.35 16.88 0.09 1.31 (0.06) 1,618 0.90 3.20 70.1 Community State Bank Starke 143 60 1.9 131 25.1 45.5 7.95 16.33 1.62 0.96 0.56 126 0.37 3.89 86.4 Drummond Community Bank Chiefland 619 374 100.9 547 72.5 68.4 10.93 17.86 0.98 2.11 0.10 1,758 1.14 4.47 70.0 First Federal Bank Lake City 1,908 1,060 1.4 1,629 16.6 65.1 10.69 18.96 0.52 0.51 0.03 4,721 1.01 4.45 79.7 Florida Capital Bank N.A. Jacksonville 433 348 27.2 298 96.0 116.9 8.41 10.49 1.51 0.58 0.13 525 0.53 3.45 90.4 Lafayette State Bank Mayo 111 64 9.8 103 41.4 62.0 7.04 11.55 5.25 0.88 0.06 118 0.45 4.44 88.8 Madison County Community Bank Madison 126 63 7.4 114 3.9 55.5 8.98 17.25 1.72 1.25 0.02 301 0.97 3.70 62.8 TIAA FSB Jacksonville 38,034 31,788 11.4 24,252 12.7 131.1 8.25 13.87 1.28 0.47 0.05 39,068 0.42 2.50 78.9 Average 4,260 3,441 16.1 2,816 25.6 75.2 9.28 15.33 1.75 1.07 0.14 4,876 0.66 3.77 79.9 Median 356 250 8.6 268 15.8 66.7 9.17 15.88 1.40 1.00 0.06 454 0.54 3.80 79.3 Source: S&P Global Market Intelligence, Most Recent Available Quarter 6 ATLANTIC COAST FLORIDA BANKS Company Information Balance Sheet Highlights Capital Adequacy Asset Quality Financial Performance Total Total MRQ Total MRQ Lns / Leverage RBC NPA/ LLR/ NCOs/ MRQ MRQ MRQ MRQ Assets Lns Growth Deposits Growth Dep. Ratio Ratio Assets Loans Loans Net Inc. ROAA N.I.M. Efficiency Name City ($M) ($M) (%) ($M) (%) (%) (%) (%) (%) (%) (%) ($000) (%) (%) (%) Cogent Bank Orange City $200 $116 183.7 % $161 225.8 % 72.2 % 23.61 % 28.04 % 1.12 % 2.27 % (0.04) % ($863) (2.28) % 3.32 % 159.5 % Community Bank of the South Merritt Island 157 54 16.4 140 1.5 38.4 9.80 25.23 0.45 1.30 (0.07) 578 1.46 3.44 59.9 Fidelity Bank of Florida NA Merritt Island 168 119 (5.9) 137 (15.9) 86.6 14.56 21.73 2.26 1.86 (0.05) 217 0.51 4.31 83.5 Florida Bus. Bank Melbourne 138 98 (5.1) 118 5.8 83.1 13.82 18.61 0.00 1.50 (0.11) 358 1.06 3.83 62.2 Friends Bank New Smyrna Beach 98 75 15.8 87 10.3 86.6 10.14 15.97 1.43 1.80 (0.39) 266 1.10 3.88 88.4 Intracoastal Bank Palm Coast 338 226 11.5 303 11.8 74.6 9.69 12.83 0.08 1.25 0.27 1,535 1.85 4.00 51.4 Mainstreet Community Bk of FL Deland 427 340 37.8 387 13.6 88.0 8.57 10.85 0.67 1.30 (0.07) 2,533 2.43 4.48 62.6 Marine B&TC Vero Beach 278 226 14.4 254 13.4 89.1 8.73 14.36 0.37 1.10 (0.01) 394 0.58 3.92 76.7 Oculina Bank Vero Beach 365 323 4.3 308 11.8 104.7 7.52 14.82 0.16 0.80 0.00 (270) (0.30) 3.20 109.6 Seacoast National Bank Stuart 6,784 4,842 0.4 5,607 33.2 86.4 10.60 14.14 0.74 0.68 0.08 23,467 1.38 4.00 55.9 Sunrise Bank Cocoa Beach 223 163 20.1 189 7.7 85.9 11.23 15.53 0.00 0.94 0.00 745 1.33 4.17 68.6 Surety Bank Deland 122 74 6.1 97 8.6 76.1 10.95 18.28 1.21 1.27 (0.01) 378 1.23 3.89 76.3 Average 775 555 25.0 649 27.3 81.0 11.60 17.53 0.71 1.34 (0.03) 2,445 0.86 3.87 79.5 Median 212 141 12.9 175 11.1 86.2 10.37 15.75 0.56 1.29 (0.03) 386 1.17 3.91 72.4 Source: S&P Global Market Intelligence, Most Recent Available Quarter 7 CENTRAL FLORIDA BANKS Company Information Balance Sheet Highlights Capital Adequacy Asset Quality Financial Performance Total Total MRQ Total MRQ Lns / Leverage RBC NPA/ LLR/ NCOs/ MRQ MRQ MRQ MRQ Assets Lns Growth Deposits Growth Dep.
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