Bank directory 2 (Sara/Mana edition)

Bank directory 2 (Sara/Mana edition)

irst National Bank of Florida

(being acquired by Fifth Third Bank)

900 Goodlette Road N., Naples, Fla.34101

Web site: www.fnbflorida.com

Established: June 19, 1989

S-Corp: No

Year-to-date

Operations3/31/033/31/04

Total employees7001,025

Domestic Offices4359

Total assets 2,839,7913,970,651

Net loans & leases 2,042,8732,555,877

Total deposits 2,282,2172,965,003

Equity capital 252,806398,449

Noncurrent loans & leases 3,7955,526

Insider loans 16,89218,105

Total interest income 38,02843,526

Total interest expense 9,94910,470

Net interest income 28,07933,056

Total noninterest income 6,8246,865

Total noninterest expense 19,52024,652

Salaries & employee benefits 9,30414,507

Pre-tax net operating income 13,65113,869

Net income 8,0979,539

Performance Ratios (%)

Yield on earning assets 6.29%5.24%

Net interest margin 4.64%3.98%

Noninterest expense/assets 3.23%2.97%

Return on assets (ROA) 1.17%0.99%

Return on equity (ROE) 12.92%9.68%

Net charge-offs to loans 0.21%0.06%

Efficiency ratio 55.28%61.12%

Assets/employee ($ millions) 4.063.87

Loss allowance/loans 1.07%1.13%

Noncur. assets, OREO/assets 0.18%0.15%

Noncurrent loans/loans 0.18%0.21%

Net loans, leases/deposits 89.51%86.20%

Equity capital to assets 8.90%10.03%

First Priority Bank

4702 Cortez Road W., Bradenton, Fla.34207

Phone: (941) 750-6400 Fax: (941) 795-5771

Web site: www.fpbank.com

Established: Dec. 8, 2003

S-Corp: No

Lead local executive: George Najmy, CEO

bank directors: George Najmy, Alan Zirkelbach, Brian Sullivan, Jeffery Polivchak, Peter Brown, Jeffrey Thompson, Daniel Conrad, John Wichman Esq., Michael Fuller, Daniel Zoller Jr., Thomas Restwuide Sr., Susan Atherton.

chief local lending officer: Steve Putnam

Year-to-date

Operations3/31/04

Total employees 15

Domestic Offices1

Total assets 34,819

Net loans & leases 6,348

Total deposits 26,889

Equity capital 7,897

Noncurrent loans & leases 0

Insider loans 803

Total interest income 128

Total interest expense 133

Net interest income -5

Total noninterest income 5

Total noninterest expense 417

Salaries & employee benefits 212

Pre-tax net operating income -495

Net income -310

Performance Ratios (%)

Yield on earning assets 2.42%

Net interest margin -0.09%

Noninterest expense/assets 7.89%

Return on assets (ROA) -5.40%

Return on equity (ROE) -15.42%

Net charge-offs to loans 0

Efficiency ratio N/A

Assets/employee ($ millions) 2.32

Loss allowance/loans 1.24%

Noncur. assets, OREO/assets 0

Noncurrent loans/loans 0

Net loans, leases/deposits 23.61%

Equity capital to assets 22.68%

First State Bank

22 South Links Ave., Sarasota, Fla.34236

Phone: (941) 929-9000 Fax: (941) 951-6189

Web site: N/A

Established: Oct. 27, 1988

S-Corp: No

Lead local executive: Corey Coughlin, president; bank directors: DND; chief local lending officer: Michael Worthington

Year-to-date

Operations3/31/033/31/04

Total employees 6470

Domestic Offices66

Total assets 167,502223,396

Net loans & leases 133,928185,283

Total deposits 152,027202,006

Equity capital 11,62217,250

Noncurrent loans & leases 1,1241,126

Insider loans 2,7281,349

Total interest income 2,3313,223

Total interest expense 9281,122

Net interest income 1,4032,101

Total noninterest income 242270

Total noninterest expense 1,2641,563

Salaries & employee benefits 611838

Pre-tax net operating income 345728

Net income 215454

Performance Ratios (%)

Yield on earning assets 6.27%6.27%

Net interest margin 3.77%4.09%

Noninterest expense/assets 3.40%3.04%

Return on assets (ROA) 0.54%0.83%

Return on equity (ROE) 7.45%11.31%

Net charge-offs to loans 0.44%-0.02%

Efficiency ratio 76.84%65.92%

Assets/employee ($ millions) 2.623.19

Loss allowance/loans 1.17%1.26%

Noncur. assets, OREO/assets 0.76%0.50%

Noncurrent loans/loans 0.83%0.60%

Net loans, leases/deposits 88.09%91.72%

Equity capital to assets 6.94%7.72%

Flagship National Bank

6000 26th St. W., Bradenton, Fla.34207

Phone: (941) 752-1433 Fax: (941) 752-1612

Web site: www.flagshipnationalbank.com

Established: May 18, 1999

S-Corp: Yes

Lead local executive: Linda Hoypic, president; bank directors: DND; chief local lending officer: Linda Hoypic

Year-to-date

Operations3/31/033/31/04

Total employees2121

Domestic Offices22

Total assets 87,801102,934

Net loans & leases 62,87477,852

Total deposits 78,90594,570

Equity capital 6,2026,663

Noncurrent loans & leases 848368

Insider loans 2,6942,880

Total interest income 1,1291,256

Total interest expense 486472

Net interest income 643784

Total noninterest income 6663

Total noninterest expense 530592

Salaries & employee benefits 259279

Pre-tax net operating income 147137

Net income 147137

Performance Ratios (%)

Yield on earning assets 5.78%5.56%

Net interest margin 3.29%3.47%

Noninterest expense/assets 2.71%2.62%

Return on assets (ROA) 0.69%0.55%

Return on equity (ROE) 9.52%8.34%

Net charge-offs to loans 00.57%

Efficiency ratio 74.75%69.89%

Assets/employee ($ millions) 4.184.90

Loss allowance/loans 1.04%0.99%

Noncur. assets, OREO/assets 0.97%0.93%

Noncurrent loans/loans 1.33%0.47%

Net loans, leases/deposits 79.68%82.32%

Equity capital to assets 7.06%6.47%

Fifth Third Bank

(acquiring First National Bank of Florida)

38 Fountain Square Plaza, Cincinnati, Ohio 45263

540 John Ringling Blvd., Sarasota, Fla. 34236

Phone: (941) 388-1240 Fax: (941) 388-9129

Web site: www.53.com

Established: Jan. 1, 1865

S-Corp: No

Lead local executive: Sandy Santilli, city manager; bank directors: George Schaefer Jr., Kenneth Lowe, Darryl Allen, Hendrick Meijer, John Barrett, Robert Morgan, James Hackett, James Rogers, Joan Herschede, John Schiff Jr., Allen Hill, Dudley Taft, Robert Koch II, Thomas Traylor, Mitchel Livingston Ph.D.; chief local lending officer: Sandy Santilli, city manager

Year-to-date

Operations3/31/033/31/04

Total employees11,96811,522

Domestic Offices386385

Total assets 51,781,76858,943,000

Net loans & leases 27,662,91630,210,075

Total deposits 27,604,07827,821,964

Equity capital 4,034,8504,623,799

Noncurrent loans & leases 206,447172,092

Insider loans 210,392168,024

Total interest income 596,935627,020

Total interest expense 176,788151,330

Net interest income 420,147475,690

Total noninterest income 402,282493,390

Total noninterest expense 391,098438,242

Pre-tax net operating income 385,078481,373

Net income 269,442315,483

Performance Ratios (%)

Yield on earning assets 5.27%4.85%

Net interest margin 3.71%3.68%

Noninterest expense/assets 3.45%3.39%

Return on assets (ROA) 2.16%2.18%

Return on equity (ROE) 27.08%28.66%

Net charge-offs to loans 0.60%0.60%

Efficiency ratio 46.51%44.37%

Assets/employee ($ millions) 4.335.12

Loss allowance/loans 1.27%1.29%

Noncur. assets, OREO/assets 0.44%0.37%

Noncurrent loans/loans 0.74%0.56%

Net loans, leases/deposits 100.21%108.58%

Equity capital to assets 7.79%7.84%

Gold Bank

(merging charter with Gold Bank in Kansas)

4502 Cortez Road W., Bradenton, Fla.34210

Phone: (941) 795-3050 Fax: (941) 794-6427

Web site: www.ambankfl.com

Established: May 8, 1989

S-Corp: No

Lead local executive: Jerry Neff, state president; bank directors: N/A; chief local lending officer: John Nash, community bank president and senior credit officer

Year-to-date

Operations3/31/033/31/04

Total employees173172

Domestic Offices1111

Total assets 748,692897,275

Net loans & leases 488,466594,985

Total deposits 520,483656,462

Equity capital 54,12362,432

Noncurrent loans & leases 567751

Insider loans 7,9178,478

Total interest income 9,19010,165

Total interest expense 4,1483,690

Net interest income 5,0426,475

Total noninterest income 1,6561,646

Total noninterest expense 4,7875,198

Salaries & employee benefits 2,4652,274

Pre-tax net operating income 1,3112,353

Net income 9331,601

Performance Ratios (%)

Yield on earning assets 5.73%5.07%

Net interest margin 3.14%3.23%

Noninterest expense/assets 2.98%2.59%

Return on assets (ROA) 0.53%0.75%

Return on equity (ROE) 7.31%10.71%

Net charge-offs to loans 0.15%0.16%

Efficiency ratio 71.47%64.01%

Assets/employee ($ millions) 4.335.22

Loss allowance/loans 1.04%0.99%

Noncur. assets, OREO/assets 0.08%0.08%

Noncurrent loans/loans 0.11%0.12%

Net loans, leases/deposits 93.85%90.64%

Equity capital to assets 7.23%6.96%

Harris Trust and Savings Bank

111 West Monroe St., Chicago, Ill. 60603

1800 2nd St., Suite 100, Sarasota, Fla. 34236

Phone: (941) 364-9977 Fax: (941) 954-4328

Web site: www.harrisbank.com

Established: May 1, 1882

S-Corp: No

Lead local executive: Martha Honey, market president; bank directors: Susan M. Brainerd, Michael Frow, Richard L. Klaas, Robert P. Marschall, Jay L. Owen, Roy C. Palmer, Sunday P. Perry; chief local lending officer: Kimberly Porter

Year-to-date

Operations3/31/033/31/04

Total employees (full-time) 4,1553,802

Domestic Offices5454

Total assets 20,327,39921,336,907

Net loans & leases 9,759,43610,064,301

Total deposits 11,681,57013,900,303

Equity capital 1,588,9781,618,172

Noncurrent loans & leases 181,923176,827

Insider loans 19,80315,925

Total interest income 163,268157,509

Total interest expense 52,72151,888

Net interest income 110,547105,621

Total noninterest income 85,32595,269

Total noninterest expense 134,681146,161

Salaries & employee benefits 96,89194,782

Pre-tax net operating income 43,57437,404

Net income 33,42234,798

Performance Ratios (%)

Yield on earning assets 3.99%3.58%

Net interest margin 2.70%2.40%

Noninterest expense/assets 3.29%3.32%

Return on assets (ROA) 0.68%0.67%

Return on equity (ROE) 8.43%8.65%

Net charge-offs to loans 0.66%0.37%

Efficiency ratio 66.64%70.45%

Assets/employee ($ millions) 4.895.61

Loss allowance/loans 2.09%2.36%

Noncur. assets, OREO/assets 0.90%0.83%

Noncurrent loans/loans 1.83%1.72%

Net loans, leases/deposits 83.55%72.40%

Equity capital to assets 7.82%7.58%

Horizon Bank

900 53rd Ave. E., Bradenton, Fla. 34203

Phone: (941)753-2265 Fax: N/A

Web site: www.horizonbankfl.com

Established: Oct. 25, 1999

S-Corp: No

Lead local executive, bank directors, chief local lending officer: N/A

Year-to-date

Operations3/31/033/31/04

Total employees2831

Domestic Offices22

Total assets 76,231101,104

Net loans & leases 58,39582,223

Total deposits 71,40293,426

Noncurrent loans & leases 392207

Insider loans 1,4753,651

Total interest income 1,1751,414

Total interest expense 464497

Net interest income 711917

Total noninterest income 3943

Total noninterest expense 669722

Salaries & employee benefits 320361

Pre-tax net operating income 37117

Net income 37117

Performance Ratios (%)

Yield on earning assets 7.35%6.80%

Net interest margin 4.45%4.41%

Noninterest expense/assets 4.19%3.47%

Return on assets (ROA) 0.20%0.49%

Return on equity (ROE) 3.15%7.19%

Net charge-offs to loans 00.31%

Earnings coverage of net loan charge-offs (x) N/A3.90

Assets/employee ($ millions) 2.723.26

Loss allowance/loans 0.93%0.92%

Noncur. assets, OREO/assets 0.51%0.20%

Noncurrent loans/loans 0.67%0.25%

Net loans, leases/deposits 81.78%88.01%

Equity capital to assets 6.15%6.52%

The Huntington National Bank

17 South High St., Columbus, Ohio43216

900 53rd Ave. E., Bradenton, Fla. 34203

Phone: (941) 753-2265Fax: (941) 753-6235

Web site: www.huntington.com

Established: Jan. 6, 1866

S-Corp: No

Lead local executive: Charles Conoley, president/CEO; bank directors: Raymond Biggs, Karen Holbrook, Don Casto, David Lauer, Michael Endres, William Jhota, John Gerlach, David Porteous, Kathleen Ransier, Thomas Hoaglin, Robert Schottenstein; chief local lending officer: Brad Severson

Year-to-date

Operations3/31/033/31/04

Total employees7,8997,654

Domestic Offices398373

Total assets 27,774,00630,833,846

Net loans & leases 19,029,31220,978,446

Total deposits 18,179,45019,719,833

Equity capital 1,530,1131,565,794

Noncurrent loans & leases 183,883126,183

Insider loans 279,957117,261

Total interest income 327,595319,187

Total interest expense 119,596102,754

Net interest income 207,999216,433

Total noninterest income 266,510202,748

Total noninterest expense 318,309277,606

Salaries & employee benefits 111,355108,511

Pre-tax net operating income 120,137118,374

Net income 87,63197,741

Performance Ratios (%)

Yield on earning assets 5.87%4.87%

Net interest margin 3.72%3.30%

Noninterest expense/assets 5.70%4.24%

Return on assets (ROA) 1.27%1.28%

Return on equity (ROE) 23.52%25.33%

Net charge-offs to loans 0.68%0.54%

Efficiency ratio 67.08%66.23%

Assets/employee ($ millions) 3.524.03

Loss allowance/loans 1.56%1.34%

Noncur. assets, OREO/assets 0.71%0.46%

Noncurrent loans/loans 0.95%0.59%

Net loans, leases/deposits 104.67%106.38%

Equity capital to assets 5.51%5.08%

JPMorgan Chase Bank

(merged with Bank One)

270 Park Ave., New York City, N.Y. 10017

240 N. Washington Blvd., Suite 100

Sarasota, Fla. 24346

Phone: (941) 954-4432 Fax: (941) 365-0572

Web site: www.jpmorganchase.com

Established: Jan. 1, 1824

S-Corp: No

Lead local executive: Jeffrey Carter, district manager; bank directors: Hans Becherer, John Biggs, Lawrence Bossidy, Stephen Burke, James Crown, James Dimon, Ellen Futter, William Gary III, William Harrison Jr., Laban Jackson Jr., John Kessler, Robert Lipp, Richard Manoogian, David Novak, Lee Raymond, John Stafford; chief local lending officer: Michael Martin

Year-to-date

Operations3/31/033/31/04

Total employees 77,15475,542

Domestic Offices590589

Total assets 621,240,000648,692,000

Net loans & leases 183,354,000180,115,000

Total deposits 300,140,000330,834,000

Equity capital 36,274,00038,168,000

Noncurrent loans & leases 3,768,0002,663,000

Insider loans 116,00065,000

Total interest income 4,851,0003,954,000

Total interest expense 2,327,0001,865,000

Net interest income 2,524,0002,089,000

Total noninterest income 3,581,0004,157,000

Total noninterest expense 4,450,0004,693,000

Salaries & employee benefits 2,396,0002,537,000

Pre-tax net operating income 1,162,0001,781,000

Net income 1,081,0001,259,000

Performance Ratios (%)

Yield on earning assets 4.17%3.21%

Net interest margin 2.17%1.69%

Noninterest expense/assets 3.82%3.81%

Return on assets (ROA) 0.70%0.79%

Return on equity (ROE) 12.04%13.31%

Net charge-offs to loans 0.79%0.37%

Efficiency ratio 72.78%75.01%

Assets/employee ($ millions) 8.058.59

Loss allowance/loans 2.04%1.52%

Noncur. assets, OREO/assets 0.69%0.48%

Noncurrent loans/loans 2.01%1.46%

Net loans, leases/deposits 61.09%54.44%

Equity capital to assets 5.84%5.88%

LandMark Bank of Florida

544 South Washington Blvd., Sarasota, Fla. 34236

Phone: (941) 954-5100 Fax: (941) 373-9279

Web site: www.landmarkbankfl.com

Established: Feb. 4, 2000

S-Corp: No

Lead local executive: Thomas G. Quale, CEO; bank directors: Annette K. Ayers, Robert W. Brown, Thomas G. Dabney, Gerald L. Pennington, Thomas G. Quale, John M. Steele, MD, T. Raymond Suplee and Kathleen M. Toale; chief local lending officer: Sean Powers, executive vice president and senior lending officer

Year-to-date

Operations3/31/033/31/04

Total employees2834

Domestic Offices22

Total assets 93,648143,218

Net loans & leases 72,31998,236

Total deposits 82,864127,446

Equity capital 8,8059,641

Noncurrent loans & leases 00

Insider loans 161,375

Total interest income 1,2211,627

Total interest expense 453502

Net interest income 7681,125

Total noninterest income 4496

Total noninterest expense 574891

Salaries & employee benefits 333522

Pre-tax net operating income 127273

Net income 106175

Performance Ratios (%)

Yield on earning assets 6.04%5.05%

Net interest margin 3.80%3.49%

Noninterest expense/assets 2.84%2.77%

Return on assets (ROA) 0.49%0.51%

Return on equity (ROE) 4.93%7.37%

Net charge-offs to loans 00

Efficiency ratio 70.69%72.97%

Assets/employee ($ millions) 3.344.21

Loss allowance/loans 1.10%1.10%

Noncur. assets, OREO/assets 0.14%0

Noncurrent loans/loans 00

Net loans, leases/deposits 87.27%77.08%

Equity capital to assets 9.40%6.73%

Liberty Savings Bank FSB

647 Fife Ave., Wilmington, Ohio 45177

544 S. Washington Blvd., Sarasota, Fla. 34236

Phone: (941) 366-8585 Fax: (941) 365-7770

Web site: www.libertysavingsbank.com

Established: Sept. 14, 1984

S-Corp: Yes

Lead local executive: Matthew Kluding, regional president; bank directors: DND ; chief local lending officer: Matthew Kluding

Year-to-date

Operations3/31/033/31/04

Total employees688613

Domestic Offices4444

Total assets 1,825,8321,756,544

Net loans & leases 1,007,8741,030,309

Total deposits 1,390,1081,317,447

Equity capital 132,190144,494

Noncurrent loans & leases 12,94410,755

Insider loans 9171,628

Total interest income 21,72620,273

Total interest expense 13,0329,378

Net interest income 8,69410,895

Total noninterest income 2,3812,308

Total noninterest expense 13,47112,285

Salaries & employee benefits 7,8567,113

Pre-tax net operating income -5,646-23

Net income -1,8273,292

Performance Ratios (%)

Yield on earning assets 4.94%4.89%

Net interest margin 1.98%2.63%

Noninterest expense/assets 3.06%2.96%

Return on assets (ROA) -0.39%0.74%

Return on equity (ROE) -5.49%9.56%

Net charge-offs to loans 1.38%0.56%

Efficiency ratio 121.63%93.05%

Assets/employee ($ millions) 2.652.87

Loss allowance/loans 1.00%0.66%

Noncur. assets, OREO/assets 0.82%0.67%

Noncurrent loans/loans 1.27%1.04%

Net loans, leases/deposits 72.50%78.20%

Equity capital to assets 7.24%8.23%

Manatee River Community Bank

430 8th Ave. W., Palmetto, Fla. 34221

Phone: (941)722-2992Fax: N/A

Web site: www.manateeriverbank.com

Established: Dec. 7, 1998

S-Corp: Yes

Lead local executive, bank directors, chief local lending officer: N/A

Year-to-date

Operations3/31/033/31/04

Total employees2728

Domestic Offices11

Total assets 85,77099,514

Net loans & leases 60,38979,517

Total deposits 77,91491,463

Equity capital 6,0537,060

Noncurrent loans & leases 143375

Insider loans 943902

Total interest income 1,0671,231

Total interest expense 533515

Net interest income 534716

Total noninterest income 103122

Total noninterest expense 548650

Salaries & employee benefits 314393

Pre-tax net operating income 67166

Net income 102202

Performance Ratios (%)

Yield on earning assets 5.74%5.68%

Net interest margin 2.87%3.31%

Noninterest expense/assets 2.95%3.00%

Return on assets (ROA) 0.50%0.84%

Return on equity (ROE) 6.68%11.54%

Net charge-offs to loans 0.01%0

Efficiency ratio 86.03%77.57%

Assets/employee ($ millions) 3.183.55

Loss allowance/loans 0.60%0.58%

Noncur. assets, OREO/assets 0.38%0.38%

Noncurrent loans/loans 0.24%0.47%

Net loans, leases/deposits 77.51%86.94%

Equity capital to assets 7.06%7.09%

Northern Trust

Bank of Florida NA

700 Brickell Ave., Miami, Fla. 33131

1515 Ringling Blvd., Sarasota, Fla. 34236

Phone: (941) 957-3660 Fax: (941) 362-7744

Web site: www.northerntrust.com

Established: Nov. 1, 1982

S-Corp: No

Lead local executive: Philip Delaney, president; bank directors: Duane Burnham, Dolores Cross, Susan Crown, Robert Hamada, Robert Helman, Dipak Jain, Arthur Kelly, Robert McCormack, Edward Mooney, William Osborn, John Rowe, Harold Smith, William Smithburg; chief local lending officer: Pete Bigel

Year-to-date

Operations3/31/033/31/04

Total employees (full-time) 900846

Domestic Offices3837

Total assets 4,558,8374,960,913

Net loans & leases 4,033,1724,315,811

Total deposits 3,543,9973,889,580

Equity capital 370,881390,506

Noncurrent loans & leases 7,5106,374

Insider loans 19,3059,925

Total interest income 50,33146,244

Total interest expense 19,10915,115

Net interest income 31,22231,129

Total noninterest income 33,04336,689

Total noninterest expense 31,98333,164

Salaries & employee benefits 19,44720,072

Pre-tax net operating income 31,98234,554

Net income 19,66221,242

Performance Ratios (%)

Yield on earning assets 4.48%3.92%

Net interest margin 2.78%2.64%

Noninterest expense/assets 2.85%2.81%

Return on assets (ROA) 1.65%1.71%

Return on equity (ROE) 21.78%21.93%

Net charge-offs to loans 0.02%-0.02%

Efficiency ratio 49.77%48.90%

Assets/employee ($ millions) 5.075.86

Loss allowance/loans 0.47%0.47%

Noncur. assets, OREO/assets 0.18%0.14%

Noncurrent loans/loans 0.19%0.15%

Net loans, leases/deposits 113.80%110.96%

Equity capital to assets 8.14%7.87%

Orion Bank

3838 North Tamiami Trail, Naples, Fla.34103

8181 S. Tamiami Trail, Sarasota, Fla. 34231

Phone: (941) 552-3721 Fax: (941) 552-3734

Web site: www.orionbank.com

Established: Feb. 28, 1977

S-Corp: No

Lead local executive: Rich Hopper, Sarasota-Manatee County Area President; bank directors: Jerry J. Williams (chairman) D.N.D.; chief local lending officer: Dan Torrence, vice president and commercial lender

Year-to-date

Operations3/31/033/31/04

Total employees142168

Domestic Offices1214

Total assets 794,9891,029,042

Net loans & leases 623,127825,907

Total deposits 640,730853,795

Equity capital 60,09184,028

Noncurrent loans & leases 15364

Insider loans 20,77518,022

Total interest income 10,93612,730

Total interest expense 3,3073,275

Net interest income 7,6299,455

Total noninterest income 1,4851,844

Total noninterest expense 4,7125,401

Salaries & employee benefits 2,4682,794

Pre-tax net operating income 4,1025,523

Net income 2,9343,541

Performance Ratios (%)

Yield on earning assets 6.31%5.71%

Net interest margin 4.40%4.24%

Noninterest expense/assets 2.72%2.42%

Return on assets (ROA) 1.51%1.44%

Return on equity (ROE) 19.91%17.59%

Net charge-offs to loans 00

Efficiency ratio 51.70%47.80%

Assets/employee ($ millions) 5.606.13

Loss allowance/loans 0.70%0.68%

Noncur. assets, OREO/assets 0.06%0.01%

Noncurrent loans/loans 0.02%0.01%

Net loans, leases/deposits 97.25%96.73%

Equity capital to assets 7.56%8.17%

Peninsula Bank

3100 South McCall Road, Englewood, Fla.34224

Phone: (941) 363-9116 Fax: (941) 363-9117

Web site: N/A

Established: Jan. 21, 1986

S-Corp: No

Lead local executive: Simon Portnoy, president/CEO; bank directors: Simon Portnoy, Robert Granicz, Lenard Brown, Paul Collom, Nathan Esformes, Dr. Melvyn Katzen, Stephen Lazovitz, Carlo LoRicco, Dr. Luis Serentill, Joseph Dresner, Dr. Jaime Torner; chief local lending officer: Richard Solano, executive vice president of commercial lending

Year-to-date

Operations3/31/033/31/04

Total employees 8792

Domestic Offices88

Total assets 268,865348,190

Net loans & leases 162,063206,813

Total deposits 240,078313,020

Equity capital 23,30127,808

Noncurrent loans & leases 1,9001,355

Insider loans 15,17318,491

Total interest income 3,8774,304

Total interest expense 1,6131,657

Net interest income 2,2642,647

Total noninterest income 678648

Total noninterest expense 1,5161,734

Salaries & employee benefits 808831

Pre-tax net operating income 1,3111,506

Net income 9111,042

Performance Ratios (%)

Yield on earning assets 6.84%5.48%

Net interest margin 3.99%3.37%

Noninterest expense/assets 2.67%2.21%

Return on assets (ROA) 1.40%1.22%

Return on equity (ROE) 16.10%15.32%

Net charge-offs to loans 0.94%0.01%

Efficiency ratio 51.53%52.63%

Assets/employee ($ millions) 3.093.78

Loss allowance/loans 0.98%0.86%

Noncur. assets, OREO/assets 2.84%1.64%

Noncurrent loans/loans 1.16%0.65%

Net loans, leases/deposits 67.50%66.07%

Equity capital to assets 8.67%7.99%

People's Community

Bank of the West Coast

25 South Links Ave., Sarasota, Fla. 34236

Phone: (941) 365-5934 Fax: (941) 365-8413

Web site: www.peoplescb.com

Established: Oct. 4, 1999

S-Corp: No

Lead local executive: Neil McCurry Jr., CEO

bank directors: Peter Skokos (chairman of the board), William Beauchamp, Brian Beauchamp, Michael Blaikie, Horst Boesch, Joel Cox, James Dean, Steven Liebel, John Metz. Neil McCurry Jr.

chief local lending officer: Rick Halloran, senior lender and executive vice president

Year-to-date

Operations3/31/033/31/04

Total employees 2235

Number of Domestic Offices13

Total assets 97,058142,775

Net loans & leases 67,962110,859

Total deposits 88,391124,981

Equity capital 8,11912,266

Noncurrent loans & leases 674

Insider loans 2,0671,943

Total interest income 1,2121,653

Total interest expense 428490

Net interest income 7841,163

Total noninterest income 110130

Total noninterest expense 725962

Salaries & employee benefits 406573

Pre-tax net operating income 94150

Net income 6292

Performance Ratios (%)

Yield on earning assets 6.08%5.47%

Net interest margin 3.93%3.85%

Noninterest expense/assets 3.64%3.18%

Return on assets (ROA) 0.28%0.28%

Return on equity (ROE) 3.26%3.02%

Net charge-offs to loans 00

Efficiency ratio 81.10%74.40%

Assets/employee ($ millions) 4.414.08

Loss allowance/loans 1.12%1.08%

Noncur. assets, OREO/assets 0.07%0.00%

Noncurrent loans/loans 0.10%0.00%

Net loans, leases/deposits 76.89%88.70%

Equity capital to assets 8.37%8.59%

RBC Centura Bank

131 North Church St., Rocky Mount, N.C. 27804

1549 Ringling Blvd., Sarasota, Fla. 34236

Phone: (941) 951-4500 Fax: (941) 951-4405

Web site: www.rbccentura.com

Established: Nov. 3, 1990

S-Corp: No

Lead local executive: Scott Stafford, regional manager/personal banking and Scott Williams, commercial team leader; bank directors: Bill Redding, Tracy Parks, Harold Dawson Jr., Kel Landis, Scott Custer, Cecil Sewell, Jim Rager, Peter Currie, Jon Legg; chief local lending officer: Charlie Fargo, senior credit risk and special loans

Year-to-date

Operations3/31/033/31/04

Total employees (full-time) 6,2796,054

Domestic Offices239267

Total assets 17,702,44620,198,145

Net loans & leases 10,190,24512,034,702

Total deposits 8,193,2139,688,080

Equity capital 2,805,5443,158,449

Noncurrent loans & leases 112,855103,664

Insider loans 2,9702,987

Total interest income 192,844184,295

Total interest expense 61,11254,833

Net interest income 131,732129,462

Total noninterest income 74,44090,598

Total noninterest expense 145,191190,905

Salaries & employee benefits 72,041102,337

Pre-tax net operating income 50,85716,026

Net income 34,19313,875

Performance Ratios (%)

Yield on earning assets 5.55%4.50%

Net interest margin 3.79%3.16%

Noninterest expense/assets 4.18%4.66%

Return on assets (ROA) 0.82%0.28%

Return on equity (ROE) 5.05%1.77%

Net charge-offs to loans 0.23%0.34%

Efficiency ratio 65.81%83.29%

Assets/employee ($ millions) 2.823.34

Loss allowance/loans 1.26%1.21%

Noncur. assets, OREO/assets 0.72%0.62%

Noncurrent loans/loans 1.09%0.85%

Net loans, leases/deposits 124.37%124.22%

Equity capital to assets 15.85%15.64%