Bank Directory

Bank Directory

The Bank of Commerce

783 South Orange Ave.

Sarasota, Fla. 34236

Phone: (941) 373-0522

Web site: bankofcommercefl.com

Established: Sept. 1, 2000

Lead executive: Charles Murphy, president and CEO

6/30/04 6/30/05

Total employees 30 39

Offices 1 2

Total assets 169,864 236,219

Net loans & leases 141,953 184,372

Total liabilities 156,793 221,152

Total deposits 150,347 209,800

Equity capital 13,071 15,067

Noncurrent loans/leases 0 0

Insider loans 9,556 6,909

Total interest income 4,295 6,376

Total interest expense 1,408 2,485

Net interest income 2,887 3,891

Total noninterest income 103 198

Total noninterest expense 1,852 2,195

Salaries, benefits 1,077 1,301

Pre-tax operating income 987 1,671

Net income 610 1,078

Performance Ratios (%)

Yield on earning assets 5.47% 5.96%

Net interest margin 3.67% 3.64%

Nonint. exp./earning assets 2.36% 2.05%

Return on assets (ROA) 0.75% 0.96%

Return on equity (ROE) 9.37% 14.90%

Net charge-offs to loans 0.02% 0

Efficiency ratio 61.94% 53.68%

Assets/employee ($millions) 5.66 6.06

Loss allowance to loans 1.14% 1.11%

Noncurrent assets, OREO 0 0

Noncurrent loans to loans 0 0

Net loans, leases / deposits 94.42% 87.88%

Equity capital to assets 7.69% 6.38%

Bank of Florida - Southwest

1185 Immokalee Road

Naples, Fla. 34110

Phone: (239) 254-2100

Web site: bankofflorida.com

Established: Aug. 24, 1999

Lead executive: Michael L. McMullan, president & chief executive officer

6/30/04 6/30/05

Total employees 44 31

Offices 2 2

Total assets 210,323 256,945

Net loans & leases 189,631 223,156

Total liabilities 195,734 234,333

Total deposits 187,502 228,974

Equity capital 14,589 22,612

Noncurrent loans/leases 1,257 599

Insider loans 13,249 11,471

Total interest income 4,568 6,929

Total interest expense 1,686 2,743

Net interest income 2,882 4,186

Total noninterest income 316 617

Total noninterest expense 2,575 3,173

Salaries, benefits 1,142 911

Pre-tax operating income 299 1,296

Net income 304 1,296

Performance Ratios (%)

Yield on earning assets 5.28% 5.91%

Net interest margin 3.33% 3.57%

Nonint. exp./earning assets 2.97% 2.71%

Return on assets (ROA) 0.32% 1.03%

Return on equity (ROE) 4.47% 13.02%

Net charge-offs to loans 0 0

Efficiency ratio 80.52% 66.06%

Assets/employee ($millions) 4.78 8.29

Loss allowance to loans 0.72% 0.89%

Noncurrent assets, OREO 0.60% 0.23%

Noncurrent loans to loans 0.66% 0.27%

Net loans, leases / deposits 101.14% 97.46%

Equity capital to assets 6.94% 8.80%

Bank of Naples

4099 Tamiami Trail N.

Naples, Fla. 34109

Phone: (239) 430-2500

Web site: bankofnaples.com

Established: May 8, 2000

S-Corp: yes

Lead executive: Robert W. Carney Jr., president and CEO

6/30/04 6/30/05

Total employees 14 14

Offices 1 1

Total assets 87,631 75,805

Net loans & leases 63,920 64,099

Total liabilities 81,588 69,226

Total deposits 81,496 67,087

Equity capital 6,043 6,579

Noncurrent loans/leases 244 0

Insider loans 1,466 1,528

Total interest income 1,989 2,201

Total interest expense 557 603

Net interest income 1,432 1,598

Total noninterest income 102 78

Total noninterest expense 982 1,035

Salaries, benefits 459 482

Pre-tax operating income 398 455

Net income 398 455

Performance Ratios (%)

Yield on earning assets 5.33% 5.93%

Net interest margin 3.84% 4.30%

Nonint. exp./earning assets 2.63% 2.79%

Return on assets (ROA) 1.02% 1.18%

Return on equity (ROE) 13.61% 14.09%

Net charge-offs to loans 0.29% 0.26%

Efficiency ratio 64.02% 61.75%

Assets/employee ($millions) 6.26 5.41

Loss allowance to loans 1.18% 1.38%

Noncurrent assets, OREO 0.28% 0

Noncurrent loans to loans 0.38% 0

Net loans, leases / deposits 78.43% 95.55%

Equity capital to assets 6.90% 8.68%

Bank of St. Petersburg

201 North Franklin St.

Tampa, Fla. 33602

Phone: (813) 569-7510

Web site: bankofstpetersburg.com

Established: July 3, 1985

S-Corp: yes

Lead executive: Joseph L. Caballero, president and CEO

6/30/04 6/30/05

Total employees 45 59

Offices 3 5

Total assets 125,874 256,692

Net loans & leases 100,979 211,228

Total liabilities 100,139 231,451

Total deposits 94,870 193,486

Equity capital 25,735 25,241

Noncurrent loans/leases 62 94

Insider loans 11,181 11,154

Total interest income 2,417 5,671

Total interest expense 620 1,989

Net interest income 1,797 3,682

Total noninterest income 141 252

Total noninterest expense 2,414 3,173

Salaries, benefits 1,243 1,850

Pre-tax operating income -1,005 318

Net income -1,005 318

Performance Ratios (%)

Yield on earning assets 4.80% 5.85%

Net interest margin 3.57% 3.80%

Nonint. exp./earning assets 4.79% 3.27%

Return on assets (ROA) -1.78% 0.30%

Return on equity (ROE) -9.37% 2.54%

Net charge-offs to loans 0 0

Efficiency ratio 120.33% 78.57%

Assets/employee ($millions) 2.80 4.35

Loss allowance to loans 1.29% 1.18%

Noncurrent assets, OREO 0.05% 0.04%

Noncurrent loans to loans 0.06% 0.04%

Net loans, leases / deposits 106.44% 109.17%

Equity capital to assets 20.45% 9.83%

The Bank of Tampa

4400 North Armenia Ave.

Tampa, Fla. 33603

Phone: (813) 872-1201

Web site: bankoftampa.com

Established: March 30, 1973

Lead executive: A. Gerald Divers, president

6/30/04 6/30/05

Total employees 190 193

Offices 9 9

Total assets 695,994 752,154

Net loans & leases 433,424 464,537

Total liabilities 650,351 695,921

Total deposits 628,204 656,072

Equity capital 45,643 56,233

Noncurrent loans/leases 3,631 557

Insider loans 25,418 37,248

Total interest income 14,444 18,210

Total interest expense 1,687 3,249

Net interest income 12,757 14,961

Total noninterest income 2,077 1,894

Total noninterest expense 9,439 10,390

Salaries, benefits 5,375 5,864

Pre-tax operating income 3,368 5,618

Net income 2,346 3,711

Performance Ratios (%)

Yield on earning assets 4.86% 5.40%

Net interest margin 4.30% 4.44%

Nonint. exp./earning assets 3.18% 3.08%

Return on assets (ROA) 0.71% 1.01%

Return on equity (ROE) 10.38% 13.59%

Net charge-offs to loans 0.05% 0.42%

Efficiency ratio 63.63% 61.64%

Assets/employee ($millions) 3.66 3.90

Loss allowance to loans 1.64% 1.16%

Noncurrent assets, OREO 0.52% 0.07%

Noncurrent loans to loans 0.82% 0.12%

Net loans, leases / deposits 68.99% 70.81%

Equity capital to assets 6.56% 7.48%

The Bank of Venice

240 Nokomis Ave., S.

Venice, Fla. 34285

Phone: (941) 485-3699

Web site: bankofvenice.com

Established: Jan. 13, 2003

S-Corp: yes

Lead executive: David Voigt, president

6/30/04 6/30/05

Total employees 10 12

Offices 2 2

Total assets 33,736 48,288

Net loans & leases 20,665 38,868

Total liabilities 27,998 40,406

Total deposits 27,938 40,319

Equity capital 5,738 7,882

Noncurrent loans/leases 0 0

Insider loans 2,310 2,243

Total interest income 559 1,086

Total interest expense 128 245

Net interest income 431 841

Total noninterest income 24 61

Total noninterest expense 556 613

Salaries, benefits 322 315

Pre-tax operating income -156 178

Net income -156 178

Performance Ratios (%)

Yield on earning assets 4.64% 5.40%

Net interest margin 3.57% 4.18%

Nonint. exp./earning assets 4.61% 3.05%

Return on assets (ROA) -1.09% 0.79%

Return on equity (ROE) -5.34% 4.58%

Net charge-offs to loans 0 0.21%

Efficiency ratio 122.20% 67.96%

Assets/employee ($millions) 3.37 4.02

Loss allowance to loans 1.07% 0.95%

Loss allowance to noncurrent loans N/A N/A

Noncurrent assets, OREO 0 0

Noncurrent loans to loans 0 0

Net loans, leases / deposits 73.97% 96.40%

Equity capital to assets 17.01% 16.32%

Bay Cities Bank

2202 N. Westshore Blvd., Suite 150

Tampa, Fla. 33607

Phone: (813) 281-0009

Web site: bay-cities-bank.com

Established: Nov. 10, 1999

Lead executive: Gregory W. Bryant, president and CEO

6/30/04 6/30/05

Total employees 28 45

Offices 2 4

Total assets 176,265 239,666

loans & leases 107,316 144,186

Total liabilities 162,402 221,061

Total deposits 151,051 198,794

Equity capital 13,863 18,605

Noncurrent loans/leases 400 104

Insider loans 5,433 7,143

Total interest income 4,398 5,541

Total interest expense 1,656 2,112

Net interest income 2,742 3,429

Total noninterest income 185 466

Total noninterest expense 1,788 2,784

Salaries, benefits 858 1,498

Pre-tax operating income 831 1,061

Net income 515 674

Performance Ratios (%)

Yield on earning assets 5.58% 5.60%

Net interest margin 3.48% 3.46%

Nonint. exp./earning assets 2.27% 2.81%

Return on assets (ROA) 0.62% 0.63%

Return on equity (ROE) 7.78% 7.84%

Net charge-offs to loans 0 0

Efficiency ratio 61.09% 71.48%

Assets/employee ($millions) 6.30 5.33

Loss allowance to loans 1.51% 1.24%

Noncurrent assets, OREO 0.23% 0.04%

Noncurrent loans to loans 0.37% 0.07%

Net loans, leases / deposits 71.05% 72.53%

Equity capital to assets 7.86% 7.76%

Bay Financial Savings Bank

5537 Sheldon Road, Suite D

Tampa, Fla. 33615

Phone: (813) 886-5626

Web site: bayfinancial.com

Established: Oct. 25, 1984

Lead executive: A.R. Nernberg, chairman and CEO

6/30/04 6/30/05

Total employees 27 11

Offices 1 1

Total assets 119,508 105,991

Net loans & leases 112,236 76,335

Total liabilities 98,225 83,407

Total deposits 83,862 76,133

Equity capital 21,283 22,584

Noncurrent loans/leases 4,010 3,690

Insider loans 2,008 964

Total interest income 3,291 3,152

Total interest expense 1,416 1,473

Net interest income 1,875 1,679

Total noninterest income 231 151

Total noninterest expense 1,180 667

Salaries, benefits 782 363

Pre-tax operating income 916 1,153

Net income 558 715

Performance Ratios (%)

Yield on earning assets 5.91% 5.56%

Net interest margin 3.36% 2.96%

Nonint. exp./earning assets 2.12% 1.18%

Return on assets (ROA) 0.97% 1.22%

Return on equity (ROE) 5.32% 6.44%

Net charge-offs to loans 0.16% 0.25%

Efficiency ratio 56.03% 36.45%

Assets/employee ($millions) 4.43 9.64

Loss allowance to loans 2.33% 3.00%

Noncurrent assets, OREO 3.60% 4.06%

Noncurrent loans to loans 3.49% 4.69%

Net loans, leases / deposits 133.83% 100.27%

Equity capital to assets 17.81% 21.31%

Centerstate Bank West Florida

6930 Gall Blvd.

Zephyrhills, Fla. 33541

Phone: (813) 783-8122 Fax: (813) 783-3599

Web site: cnbpasco.com

Established: Nov. 3, 1989

Lead executive: James S. Stalnaker Jr., president and CEO

6/30/04 6/30/05

Total employees 72 71

Offices 7 7

Total assets 198,444 242,451

Net loans & leases 154,149 177,243

Total liabilities 183,399 225,500

Total deposits 180,244 209,948

Equity capital 15,045 16,951

Noncurrent loans/leases 210 301

Insider loans 6,171 4,770

Total interest income 4,685 6,100

Total interest expense 1,403 1,925

Net interest income 3,282 4,175

Total noninterest income 2,611 729

Total noninterest expense 2,769 2,850

Salaries, benefits 1,475 1,535

Pre-tax operating income 2,854 1,814

Net income 1,795 1,134

Performance Ratios (%)

Yield on earning assets 5.27% 6.14%

Net interest margin 3.69% 4.20%

Nonint. exp./earning assets 3.12% 2.87%

Return on assets (ROA) 1.83% 1.01%

Return on equity (ROE) 24.91% 13.86%

Net charge-offs to loans 0.04% 0.02%

Efficiency ratio 46.99% 58.12%

Assets/employee ($millions) 2.76 3.41

Loss allowance to loans 1.27% 1.34%

Noncurrent assets, OREO 0.19% 0.15%

Noncurrent loans to loans 0.13% 0.17%

Net loans, leases / deposits 85.52% 84.42%

Equity capital to assets 7.58% 6.99%

Century Bank FSB

1680 Fruitville Road

Sarasota, Fla. 34236

Phone: (941) 366-1050

Web site: centurybankfl.com

Established: Jan. 23, 1985

Lead executive: John P. O'Neill, president and COO

6/30/04 6/30/05

Total employees 104 114

Offices 7 7

Total assets 452,115 552,042

Net loans & leases 390,214 487,493

Total liabilities 423,842 514,637

Total deposits 321,709 417,356

Equity capital 28,273 37,405

Noncurrent loans/leases 3,462 973

Insider loans 100 200

Total interest income 11,838 15,870

Total interest expense 5,293 6,772

Net interest income 6,545 9,098

Total noninterest income 1,795 1,367

Total noninterest expense 4,746 4,440

Salaries, benefits 2,411 2,649

Pre-tax operating income 3,319 5,725

Net income 2,421 3,810

Performance Ratios (%)

Yield on earning assets 5.81% 6.29%

Net interest margin 3.21% 3.60%

Nonint. exp./earning assets 2.33% 1.76%

Return on assets (ROA) 1.12% 1.44%

Return on equity (ROE) 17.76% 21.43%

Net charge-offs to loans 0.05% 0.03%

Efficiency ratio 56.91% 42.43%

Assets/employee ($millions) 4.35 4.84

Loss allowance to loans 0.81% 0.71%

Noncurrent assets, OREO 0.82% 0.23%

Noncurrent loans to loans 0.88% 0.20%

Net loans, leases / deposits 121.29% 116.81%

Equity capital to assets 6.25% 6.78%

Century Bank of Florida

716 West Fletcher Ave.

Tampa, Fla. 33612

Phone: (813) 961-3300 Fax: (813) 962-0534

Web site: centurybk.com

Established: Sept. 11, 2000

Lead executive: Jose Vivero, chair, president and CEO

6/30/04 6/30/05

Total employees 12 10

Offices 1 1

Total assets 74,689 83,514

Net loans & leases 42,093 49,984

Total liabilities 66,475 74,464

Total deposits 56,778 74,065

Equity capital 8,214 9,050

Noncurrent loans/leases 134 144

Insider loans 2,777 3,050

Total interest income 1,729 2,258

Total interest expense 424 538

Net interest income 1,305 1,720

Total noninterest income 185 259

Total noninterest expense 1,061 1,337

Salaries, benefits 567 771

Pre-tax operating income 353 533

Net income 252 408

Performance Ratios (%)

Yield on earning assets 5.98% 5.91%

Net interest margin 4.51% 4.50%

Nonint. exp./earning assets 3.67% 3.50%

Return on assets (ROA) 0.77% 0.96%

Return on equity (ROE) 6.12% 9.25%

Net charge-offs to loans 0 0.01%

Efficiency ratio 71.21% 67.56%

Assets/employee ($millions) 6.22 8.35

Loss allowance to loans 1.26% 1.48%

Noncurrent assets, OREO 0.18% 0.17%

Noncurrent loans to loans 0.31% 0.28%

Net loans, leases / deposits 74.14% 67.49%

Equity capital to assets 11.00% 10.84%

Charlotte State Bank

1100 Tamiami Trail

Port Charlotte, Fla. 33953

Phone: (941) 624-5400 Fax: (941) 624-2308

Web site: charlottestatebank.com

Established: Nov. 3, 1987

S-Corp: yes

Lead executive: C. G. Brown III, president

6/30/04 6/30/05

Total employees 77 91

Offices 5 5

Total assets 165,874 237,792

Net loans & leases 121,373 145,444

Total liabilities 152,896 222,610

Total deposits 147,995 217,858

Equity capital 12,978 15,182

Noncurrent loans/leases 0 26

Insider loans 0 0

Total interest income 4,097 5,704

Total interest expense 578 782

Net interest income 3,519 4,922

Total noninterest income 1,319 1,382

Total noninterest expense 3,322 3,778

Salaries, benefits 1,868 2,146

Pre-tax operating income 1,384 2,394

Net income 1,384 2,394

Performance Ratios (%)

Yield on earning assets 5.74% 5.05%

Net interest margin 4.93% 4.35%

Nonint. exp./earning assets 4.65% 3.34%

Return on assets (ROA) 1.75% 1.95%

Return on equity (ROE) 21.77% 32.94%

Net charge-offs to loans -0.02% -0.00%

Efficiency ratio 68.17% 59.55%

Assets/employee ($millions) 2.15 2.61

Loss allowance to loans 1.24% 1.15%

Noncurrent assets, OREO 0 0.01%

Noncurrent loans to loans 0 0.02%

Net loans, leases / deposits 82.01% 66.76%

Equity capital to assets 7.82% 6.38%

Coast Bank of Florida

1301 6th Ave., W.

Bradenton, Fla. 34205

Phone: (941) 752-5900 Fax: (941) 345-1048

Web site: coastbankflorida.com

Established: April 7, 2000

Lead executive: Brian Peters, president COO

6/31/04 6/30/05

Total employees 115 153

Domestic Offices 8 11

Total assets 334,523 468,039

Net loans & leases 256,969 359,645

Total liabilities 306,285 434,400

Total deposits 280,565 394,961

Equity capital 28,238 33,639

Noncurrent loans/leases 1,770 1,071

Insider loans 3,911 4,748

Total interest income 7,985 11,306

Total interest expense 3,334 5,196

Net interest income 4,651 6,110

Total noninterest income 1,537 1,205

Total noninterest expense 4,766 6,748

Salaries, benefits 2,549 3,346

Pre-tax operating income 602 -1,317

Net income 373 -830

Performance Ratios (%)

Yield on earning assets 5.77% 5.81%

Net interest margin 3.36% 3.14%

Nonint. exp./earning assets 3.44% 3.47%

Return on assets (ROA) 0.25% -0.39%

Return on equity (ROE) 2.93% -5.30%

Net charge-offs to loans 0.98% 0.97%

Efficiency ratio 77.02% 92.25%

Assets/employee ($millions) 2.91 3.06

Loss allowance to loans 1.08% 0.88%

Noncurrent assets, OREO 0.53% 0.26%

Noncurrent loans to loans 0.68% 0.30%

Net loans, leases / deposits 91.59% 91.06%

Equity capital to assets 8.44% 7.19%

Community Bank of Manatee

6000 State Road 70 East

Bradenton, Fla. 34203

Phone: (941) 756-0099 Fax: (941) 756-0013

Web site: communitybanknow.com

Established: Nov. 17, 1995

Lead executive: William H. Sedgeman, chairman and CEO

6/30/04 6/30/05

Total employees 29 37

Offices 4 4

Total assets 151,067 195,195

Net loans & leases 111,899 133,935

Total liabilities 140,733 182,859

Total deposits 132,820 173,086

Equity capital 10,334 12,336

Noncurrent loans/leases 1,635 26

Insider loans 474 474

Total interest income 3,670 4,808

Total interest expense 1,500 1,810

Net interest income 2,170 2,998

Total noninterest income 791 495

Total noninterest expense 1,751 2,311

Salaries, benefits 944 1,333

Pre-tax operating income 800 1,032

Net income 484 630

Performance Ratios (%)

Yield on earning assets 5.62% 5.93%

Net interest margin 3.33% 3.70%

Nonint. exp./earning assets 2.68% 2.85%

Return on assets (ROA) 0.68% 0.72%

Return on equity (ROE) 9.63% 10.64%

Net charge-offs to loans 0.17% 0.38%

Efficiency ratio 59.14% 66.16%

Assets/employee ($millions) 5.21 5.28

Loss allowance to loans 1.58% 1.02%

Noncurrent assets, OREO 1.08% 0.01%

Noncurrent loans to loans 1.44% 0.02%

Net loans, leases / deposits 84.25% 77.38%

Equity capital to assets 6.84% 6.32%

Community Bank of Naples NA

5150 N. Tamiami Trail

Naples, Fla. 34103

Phone: (239) 649-1500

Web site: cbnaples.com

Established: Dec. 31, 1998

Lead executive: Greg Murphy, president

6/30/04 6/30/05

Total employees 46 60

Offices 4 4

Total assets 267,105 363,623

Net loans & leases 219,595 283,855

Total liabilities 246,501 337,662

Total deposits 203,787 269,607

Equity capital 20,604 25,961

Noncurrent loans/leases 611 237

Insider loans 11,331 10,364

Total interest income 6,250 9,082

Total interest expense 1,492 2,460

Net interest income 4,758 6,622

Total noninterest income 709 844

Total noninterest expense 2,083 2,860

Salaries, benefits 1,468 1,800

Pre-tax operating income 3,231 4,024

Net income 2,009 2,497

Performance Ratios (%)

Yield on earning assets 5.31% 5.90%

Net interest margin 4.04% 4.30%

Nonint. exp./earning assets 1.77% 1.86%

Return on assets (ROA) 1.56% 1.49%

Return on equity (ROE) 20.45% 20.27%

Net charge-offs to loans 0.07% 0.05%

Efficiency ratio 38.10% 38.31%

Assets/employee ($millions) 5.81 6.06

Loss allowance to loans 1.30% 1.28%

Noncurrent assets, OREO 0.23% 0.07%

Noncurrent loans to loans 0.27% 0.08%

Net loans, leases / deposits 107.76% 105.28%

Equity capital to assets 7.71% 7.14%

Community National Bank of Sarasota County

201 Center Road

Venice, Fla. 34292

Phone: (941) 497-6660

Fax: (941) 497-5022

Web site: cnbsara.com

Established: Feb. 16, 1988

S-Corp: yes

Lead executive: Roger L. Baldinger, president and CEO

6/30/04 6/30/05

Total employees 33 40

Offices 4 4

Total assets 98,740 105,134

Net loans & leases 83,041 93,240

Total liabilities 91,146 96,115

Total deposits 90,261 92,955

Equity capital 7,594 9,019

Noncurrent loans/leases 102 109

Insider loans 1,014 999

Total interest income 2,713 3,403

Total interest expense 451 584

Net interest income 2,262 2,819

Total noninterest income 228 411

Total noninterest expense 1,443 1,639

Salaries, benefits 755 897

Pre-tax operating income 1,000 1,439

Net income 1,000 1,439

Performance Ratios (%)

Yield on earning assets 6.50% 7.04%

Net interest margin 5.42% 5.83%

Nonint. exp./earning assets 3.46% 3.39%

Return on assets (ROA) 2.07% 2.63%

Return on equity (ROE) 27.06% 33.30%

Net charge-offs to loans 0.03% -0.01%

Efficiency ratio 57.95% 50.74%

Assets/employee ($millions) 2.99 2.63

Loss allowance to loans 0.91% 1.03%

Noncurrent assets, OREO 0.10% 0.10%

Noncurrent loans to loans 0.12% 0.12%

Net loans, leases / deposits 92.00% 100.31%

Equity capital to assets 7.69% 8.58%

Cornerstone Community Bank

6300 4th St., N.

St. Petersburg, Fla. 33702

Phone: (727) 526-5678

Web site: cornerstonebankfl.com

Established: March 15, 1999

Lead executive: Robert L. Carr, chairman president and CEO

6/30/04 6/30/05

Total employees 43 53

Offices 5 6

Total assets 163,763 214,514

Net loans & leases 129,835 169,079

Total liabilities 149,648 198,728

Total deposits 142,047 182,204

Equity capital 14,115 15,786

Noncurrent loans/leases 1 30

Insider loans 3,614 4,109

Total interest income 3,871 5,390

Total interest expense 1,221 1,999

Net interest income 2,650 3,391

Total noninterest income 381 375

Total noninterest expense 1,844 2,266

Salaries, benefits 988 1,177

Pre-tax operating income 933 1,335

Net income 586 851

Performance Ratios (%)

Yield on earning assets 5.62% 5.83%

Net interest margin 3.85% 3.67%

Nonint. exp./earning assets 2.68% 2.45%

Return on assets (ROA) 0.78% 0.84%

Return on equity (ROE) 8.46% 11.09%

Net charge-offs to loans 0.10% 0

Efficiency ratio 60.11% 59.61%

Assets/employee ($millions) 3.81 4.05

Loss allowance to loans 1.15% 1.11%

Noncurrent assets, OREO 0.00% 0.01%

Noncurrent loans to loans 0.00% 0.02%

Net loans, leases / deposits 91.40% 92.80%

Equity capital to assets 8.62% 7.36%

Englewood Bank

1111 South McCall Road

Englewood, Fla. 34223

Phone: (941) 473-4503

Web site: englewoodbank.com

Established: April 4, 1988

S-Corp: yes

Lead executive: Charles G. Brown, CEO

6/30/04 6/30/05

Total employees 71 78

Offices 6 6

Total assets 171,723 181,632

Net loans & leases 76,934 96,751

Total liabilities 149,558 158,436

Total deposits 145,862 155,433

Equity capital 22,165 23,196

Noncurrent loans/leases 38 2,313

Insider loans 0 0

Total interest income 3,019 3,946

Total interest expense 530 507

Net interest income 2,489 3,439

Total noninterest income 260 487

Total noninterest expense 2,208 2,979

Salaries, benefits 1,234 1,722

Pre-tax operating income 541 922

Net income 542 922

Performance Ratios (%)

Yield on earning assets 4.11% 5.14%

Net interest margin 3.39% 4.48%

Nonint. exp./earning assets 3.01% 3.88%

Return on assets (ROA) 0.64% 1.02%

Return on equity (ROE) 5.60% 8.00%

Net charge-offs to loans -0.06% -0.08%

Efficiency ratio 77.63% 73.89%

Assets/employee ($millions) 2.42 2.33

Loss allowance to loans 1.52% 1.24%

Noncurrent assets, OREO 0.02% 1.27%

Noncurrent loans to loans 0.05% 2.36%

Net loans, leases / deposits 52.74% 62.25%

Equity capital to assets 12.91% 12.77%

First America Bank

410 43rd St., W., Suite C

Bradenton, Fla. 34209

Phone: (941) 727-2500

Web site: firstamericabank.com

Established: June 1, 2004

Lead executive: Daniel S. Hager, chairman and CEO

6/30/04 6/30/05

Total employees 14 15

Offices 1 1

Total assets 14,701 47,938

Net loans & leases 939 21,417

Total liabilities 5,074 39,155

Total deposits 5,060 39,036

Equity capital 9,627 8,783

Noncurrent loans/leases 0 0

Insider loans 0 0

Total interest income 15 937

Total interest expense 7 393

Net interest income 8 544

Total noninterest income 0 34

Total noninterest expense 547 1,037

Salaries, benefits 83 557

Pre-tax operating income -550 -547

Net income -373 -341

Performance Ratios (%)

Yield on earning assets 0.22% 4.65%

Net interest margin 0.12% 2.70%

Nonint. exp./earning assets 7.94% 5.14%

Return on assets (ROA) -5.07% -1.56%

Return on equity (ROE) -7.75% -7.64%

Net charge-offs to loans 0 0

Efficiency ratio 6,837.50% 179.41%

Assets/employee ($millions) 1.05 3.20

Loss allowance to loans 1.16% 1.15%

Noncurrent assets, OREO 0 0

Noncurrent loans to loans 0 0

Net loans, leases / deposits 18.56% 54.86%

Equity capital to assets 65.49% 18.32%

First Citrus Bank

13850 Sheldon Road

Tampa, Fla. 33626

Phone: (813) 926-5588

Web site: firstcitrus.com

Established: Feb. 1, 1999

Lead executive: John M. Barrett, president and CEO

6/30/04 6/30/05

Total employees 41 40

Offices 3 3

Total assets 130,218 161,426

Net loans & leases 104,285 119,545

Total liabilities 113,942 143,951

Total deposits 111,981 143,707

Equity capital 16,276 17,475

Noncurrent loans/leases 92 882

Insider loans 3,763 4,270

Total interest income 3,462 4,460

Total interest expense 1,003 1,363

Net interest income 2,459 3,097

Total noninterest income 177 166

Total noninterest expense 1,952 2,230

Salaries, benefits 1,099 1,160

Pre-tax operating income 409 932

Net income 250 578

Performance Ratios (%)

Yield on earning assets 5.89% 6.28%

Net interest margin 4.19% 4.36%

Nonint. exp./earning assets 3.32% 3.14%

Return on assets (ROA) 0.40% 0.76%

Return on equity (ROE) 3.10% 6.75%

Net charge-offs to loans 0.05% 0

Efficiency ratio 74.05% 68.34%

Assets/employee ($millions) 3.18 4.04

Loss allowance to loans 1.15% 1.23%

Noncurrent assets, OREO 0.07% 0.81%

Noncurrent loans to loans 0.09% 0.73%

Net loans, leases / deposits 93.13% 83.19%

Equity capital to assets 12.50% 10.83%

First Commercial Bank of Tampa Bay

4600 W. Kennedy Blvd.

Tampa, Fla. 33609

Phone: (813) 287-0500

Web site: fcbtampa.com

Established: Sept. 13, 1989

Lead executive: Albert M. Salem Jr., chairman, president and CEO

6/30/04 6/30/05

Total employees 28 33

Offices 1 2

Total assets 136,314 155,003

Net loans & leases 102,217 109,956

Total liabilities 126,457 143,478

Total deposits 117,122 133,828

Equity capital 9,857 11,525

Noncurrent loans/leases 341 820

Insider loans 1,109 3,217

Total interest income 3,411 4,521

Total interest expense 1,267 1,602

Net interest income 2,144 2,919

Total noninterest income 239 239

Total noninterest expense 1,750 1,990

Salaries, benefits 894 1,033

Pre-tax operating income 485 1,075

Net income 310 688

Performance Ratios (%)

Yield on earning assets 5.75% 6.38%

Net interest margin 3.62% 4.12%

Nonint. exp./earning assets 2.95% 2.81%

Return on assets (ROA) 0.50% 0.92%

Return on equity (ROE) 6.91% 12.33%

Net charge-offs to loans 0.02% 0.01%

Efficiency ratio 73.44% 63.01%

Assets/employee ($millions) 4.87 4.70

Loss allowance to loans 1.30% 1.37%

Noncurrent assets, OREO 0.25% 0.53%

Noncurrent loans to loans 0.33% 0.74%

Net loans, leases / deposits 87.27% 82.16%

Equity capital to assets 7.23% 7.44%

First Community Bank of America

6100 4th St., N.

St. Petersburg, Fla. 33703

Phone: (727) 520-8837

Web site: efirstcommbank.com

Established: Feb. 11, 1985

Lead executive: Kenneth P. Cherven, president and CEO

6/30/04 6/30/05

Total employees 52 69

Offices 4 4

Total assets 210,468 272,589

Net loans & leases 180,441 234,868

Total liabilities 193,937 251,661

Total deposits 178,070 232,437

Equity capital 16,531 20,928

Noncurrent loans/leases 90 9

Insider loans 803 760

Total interest income 5,351 7,485

Total interest expense 1,536 2,028

Net interest income 3,815 5,457

Total noninterest income 577 496

Total noninterest expense 2,621 3,584

Salaries, benefits 1,640 2,256

Pre-tax operating income 1,510 2,008

Net income 957 1,265

Performance Ratios (%)

Yield on earning assets 5.77% 6.21%

Net interest margin 4.11% 4.53%

Nonint. exp./earning assets 2.83% 2.98%

Return on assets (ROA) 0.97% 0.98%

Return on equity (ROE) 11.89% 12.66%

Net charge-offs to loans 0 0.02%

Efficiency ratio 59.68% 60.20%

Assets/employee ($millions) 4.05 3.95

Loss allowance to loans 1.26% 1.25%

Noncurrent assets, OREO 0.04% 0.00%

Noncurrent loans to loans 0.05% 0.00%

Net loans, leases / deposits 101.33% 101.05%

Equity capital to assets 7.85% 7.68%

First Community Bank of Southwest Florida

1565 Red Cedar Drive

Fort Myers, Fla. 33907

Phone: (239) 939-4100

Web site: fcb-yourbank.com

Established: March 1, 1999

Lead executive: Edward Black, president and CEO

6/30/04 6/30/05

Total employees 60 66

Offices 2 2

Total assets 194,801 327,884

Net loans & leases 167,301 280,596

Total liabilities 178,220 299,805

Total deposits 158,099 278,109

Equity capital 16,581 28,079

Noncurrent loans/leases 1,467 472

Insider loans 4,687 7,663

Total interest income 5,371 11,834

Total interest expense 1,702 3,840

Net interest income 3,669 7,994

Total noninterest income 666 766

Total noninterest expense 2,138 2,760

Salaries, benefits 1,304 1,792

Pre-tax operating income 1,701 5,391

Net income 1,057 3,358

Performance Ratios (%)

Yield on earning assets 7.12% 8.77%

Net interest margin 4.87% 5.93%

Nonint. exp./earning assets 2.84% 2.05%

Return on assets (ROA) 1.30% 2.32%

Return on equity (ROE) 15.55% 27.52%

Net charge-offs to loans 0 0.02%

Efficiency ratio 49.32% 31.51%

Assets/employee ($millions) 3.25 4.97

Loss allowance to loans 1.07% 1.08%

Noncurrent assets, OREO 0.83% 0.15%

Noncurrent loans to loans 0.87% 0.17%

Net loans, leases / deposits 105.82% 100.89%

Equity capital to assets 8.51% 8.56%

First Florida Bank

8850 Tamiami Trail N.

Naples, Fla. 34108

Phone: (239) 597-8989

Web site: firstfloridabank.com

Established: Aug. 30, 1999

Lead executive: Robert O. Smedley, president and CEO

6/30/04 6/30/05

Total employees 49 55

Offices 3 3

Total assets 219,732 322,237

Net loans & leases 193,534 292,230

Total liabilities 197,421 287,159

Total deposits 191,826 285,290

Equity capital 22,311 35,078

Noncurrent loans/leases 541 3,295

Insider loans 910 1,014

Total interest income 6,574 10,614

Total interest expense 1,945 3,684

Net interest income 4,629 6,930

Total noninterest income 245 212

Total noninterest expense 2,478 2,388

Salaries, benefits 1,428 1,203

Pre-tax operating income 1,885 3,966

Net income 1,178 2,436

Performance Ratios (%)

Yield on earning assets 7.21% 7.38%

Net interest margin 5.08% 4.82%

Nonint. exp./earning assets 2.72% 1.66%

Return on assets (ROA) 1.21% 1.61%

Return on equity (ROE) 12.08% 16.40%

Net charge-offs to loans 0 0.13%

Efficiency ratio 50.84% 33.44%

Assets/employee ($millions) 4.48 5.86

Loss allowance to loans 1.00% 1.06%

Noncurrent assets, OREO 0.25% 1.02%

Noncurrent loans to loans 0.28% 1.12%

Net loans, leases / deposits 100.89% 102.43%

Equity capital to assets 10.15% 10.89%

First Home Bank

9190 Seminole Blvd.

Seminole, Fla. 33772

Phone: (727) 394-2265

Web site: firsthomebank.com

Established: Feb. 12, 1999

S-Corp: yes

Lead executive: Jeffory H. Forbes, president and CEO

6/30/04 6/30/05

Total employees 22 20

Offices 1 1

Total assets 72,997 77,478

Net loans & leases 58,565 64,533

Total liabilities 66,572 70,477

Total deposits 59,934 63,457

Equity capital 6,425 7,001

Noncurrent loans/leases 225 0

Insider loans 490 350

Total interest income 2,059 2,241

Total interest expense 489 593

Net interest income 1,570 1,648

Total noninterest income 243 252

Total noninterest expense 995 1,143

Salaries, benefits 517 630

Pre-tax operating income 776 715

Net income 791 715

Performance Ratios (%)

Yield on earning assets 6.17% 6.35%

Net interest margin 4.70% 4.67%

Nonint. exp./earning assets 2.98% 3.24%

Return on assets (ROA) 2.26% 1.92%

Return on equity (ROE) 25.23% 20.92%

Net charge-offs to loans -0.01% -0.03%

Efficiency ratio 54.88% 60.16%

Assets/employee ($millions) 3.32 3.87

Loss allowance to loans 1.48% 1.42%

Noncurrent assets, OREO 0.31% 0

Noncurrent loans to loans 0.38% 0

Net loans, leases / deposits 97.72% 101.70%

Equity capital to assets 8.80% 9.04%

First Kensington Bank

13246 N. Dale Mabry Highway

Tampa, Fla. 33624

Phone: 813-961-6200

Web site: 1stkensington.com

Established: Feb. 28, 2000

Lead executive: Gerald K. Archibald, president, chief executive officer

6/30/04 6/30/05

Total employees 50 59

Offices 11 12

Total assets 289,491 279,879

Net loans & leases 100,030 115,020

Total liabilities 263,944 252,228

Total deposits 263,654 248,952

Equity capital 25,547 27,651

Noncurrent loans/leases 19 0

Insider loans 2,249 1,286

Total interest income 6,982 7,390

Total interest expense 2,567 2,609

Net interest income 4,415 4,781

Total noninterest income 124 164

Total noninterest expense 2,201 2,414

Salaries, benefits 1,144 1,379

Pre-tax operating income 2,278 2,464

Net income 1,471 1,511

Performance Ratios (%)

Yield on earning assets 4.97% 5.56%

Net interest margin 3.14% 3.60%

Nonint. exp./earning assets 1.57% 1.82%

Return on assets (ROA) 1.01% 1.10%

Return on equity (ROE) 11.84% 11.03%

Net charge-offs to loans 0 -0.04%

Efficiency ratio 48.49% 48.82%

Assets/employee ($millions) 5.79 4.74

Loss allowance to loans 0.95% 0.94%

Noncurrent assets, OREO 0.01% 0

Noncurrent loans to loans 0.02% 0

Net loans, leases / deposits 37.94% 46.20%

Equity capital to assets 8.82% 9.88%

1st National Bank & Trust

5817 Manatee Ave., W.

Bradenton, Fla. 34209

Phone: (941) 794-6969

Web site: firstnbt.com

Established: July 18, 1986

Lead executive: Francis I. "Rip" duPont III, chairman and CEO

6/30/04 6/30/05

Total employees 78 92

Offices 8 8

Total assets 304,785 347,095

Net loans & leases 223,555 252,670

Total liabilities 280,760 318,646

Total deposits 262,334 292,367

Equity capital 24,025 28,449

Noncurrent loans/leases 1,362 0

Insider loans 2,648 5,651

Total interest income 7,430 9,516

Total interest expense 1,996 2,947

Net interest income 5,434 6,569

Total noninterest income 1,142 1,344

Total noninterest expense 4,230 4,713

Salaries, benefits 2,621 2,943

Pre-tax operating income 2,146 3,006

Net income 1,384 1,944

Performance Ratios (%)

Yield on earning assets 5.45% 6.14%

Net interest margin 3.98% 4.24%

Nonint. exp./earning assets 3.10% 3.04%

Return on assets (ROA) 0.94% 1.17%

Return on equity (ROE) 11.90% 14.17%

Net charge-offs to loans 0.00% -0.00%

Efficiency ratio 64.32% 59.56%

Assets/employee ($millions) 3.91 3.77

Loss allowance to loans 1.00% 1.00%

Noncurrent assets, OREO 0.45% 0

Noncurrent loans to loans 0.60% 0

Net loans, leases / deposits 85.22% 86.42%

Equity capital to assets 7.88% 8.20%

First National Bank of Pasco

13315 U.S. Highway 301

Dade City, Fla. 33525

Phone: (352) 521-0141

Web site: fnbpasco.com

Established: Nov. 3, 1986

Lead executive: J. Lamar Roberts president and CEO

6/30/04 6/30/05

Total employees 34 37

Offices 3 3

Total assets 88,596 104,083

Net loans & leases 64,635 72,870

Total liabilities 81,663 95,831

Total deposits 73,953 91,454

Equity capital 6,933 8,252

Noncurrent loans/leases 294 161

Insider loans 1,549 820

Total interest income 2,575 2,991

Total interest expense 406 542

Net interest income 2,169 2,449

Total noninterest income 477 424

Total noninterest expense 1,867 1,928

Salaries, benefits 963 1,028

Pre-tax operating income 719 945

Net income 481 608

Performance Ratios (%)

Yield on earning assets 6.48% 6.46%

Net interest margin 5.46% 5.29%

Nonint. exp./earning assets 4.70% 4.16%

Return on assets (ROA) 1.12% 1.22%

Return on equity (ROE) 14.01% 15.39%

Net charge-offs to loans 0 -0.01%

Efficiency ratio 70.56% 67.11%

Assets/employee ($millions) 2.61 2.81

Loss allowance to loans 1.02% 1.08%

Noncurrent assets, OREO 0.41% 0.17%

Noncurrent loans to loans 0.45% 0.22%

Net loans, leases / deposits 87.40% 79.68%

Equity capital to assets 7.83% 7.93%

First Priority Bank

4702 Cortez Road W.

Bradenton, Fla. 34207

Phone: (941) 750-6400

Web site: fpbank.com

Established: Dec. 8, 2003

Lead executive: George Najmy, president and CEO

6/30/04 6/30/05

Total employees 17 28

Offices 1 2

Total assets 41,978 101,798

Net loans & leases 22,296 84,015

Total liabilities 34,430 86,440

Total deposits 34,366 86,215

Equity capital 7,548 15,358

Noncurrent loans/leases 0 0

Insider loans 3,073 1,931

Total interest income 423 2,321

Total interest expense 332 1,021

Net interest income 91 1,300

Total noninterest income 23 423

Total noninterest expense 873 1,587

Salaries, benefits 470 1,007

Pre-tax operating income -1,039 -220

Net income -641 -152

Performance Ratios (%)

Yield on earning assets 3.14% 6.06%

Net interest margin 0.68% 3.39%

Nonint. exp./earning assets 6.48% 4.14%

Return on assets (ROA) -4.37% -0.37%

Return on equity (ROE) -16.28% -2.47%

Net charge-offs to loans 0 0

Efficiency ratio 765.79% 92.11%

Assets/employee ($millions) 2.47 3.64

Loss allowance to loans 1.25% 1.08%

Noncurrent assets, OREO 0 0

Noncurrent loans to loans 0 0

Net loans, leases / deposits 64.88% 97.45%

Equity capital to assets 17.98% 15.09%

First State Bank

22 South Links Ave.

Sarasota, Fla. 34236

Phone: (941) 929-9000

Web site: firststatefl.com

Established: Oct. 27, 1988

Lead executive: Corey J. Coughlin, president and CEO

6/30/04 6/30/05

Total employees 69 83

Offices 6 6

Total assets 231,714 314,313

Net loans & leases 196,350 279,217

Total liabilities 214,211 271,296

Total deposits 209,826 267,130

Equity capital 17,503 43,017

Noncurrent loans/leases 1,016 921

Insider loans 734 2,910

Total interest income 6,587 9,171

Total interest expense 2,291 3,097

Net interest income 4,296 6,074

Total noninterest income 546 698

Total noninterest expense 3,112 3,780

Salaries, benefits 1,686 2,227

Pre-tax operating income 1,539 2,767

Net income 960 1,726

Performance Ratios (%)

Yield on earning assets 6.27% 6.53%

Net interest margin 4.09% 4.32%

Nonint. exp./earning assets 2.96% 2.69%

Return on assets (ROA) 0.86% 1.17%

Return on equity (ROE) 11.61% 8.18%

Net charge-offs to loans -0.02% -0.02%

Efficiency ratio 64.27% 55.82%

Assets/employee ($millions) 3.36 3.79

Loss allowance to loans 1.25% 1.05%

Noncurrent assets, OREO 0.44% 0.29%

Noncurrent loans to loans 0.51% 0.33%

Net loans, leases / deposits 93.58% 104.52%

Equity capital to assets 7.55% 13.69%

Flagship National Bank

6000 26th St., W.

Bradenton, Fla. 34207

Phone: (941) 752-1433

Web site: flagshipnationalbank.com

Established: May 18, 1999

S-Corp: yes

Lead executive: Stephen Jonsson, president and CEO

6/30/04 6/30/05

Total employees 21 31

Offices 2 3

Total assets 113,867 142,695

Net loans & leases 80,026 109,613

Total liabilities 107,316 131,892

Total deposits 105,562 122,300

Equity capital 6,551 10,803

Noncurrent loans/leases 368 27

Insider loans 3,020 4,388

Total interest income 2,600 3,693

Total interest expense 992 1,330

Net interest income 1,608 2,363

Total noninterest income 101 174

Total noninterest expense 1,191 1,575

Salaries, benefits 570 785

Pre-tax operating income 360 747

Net income 360 748

Performance Ratios (%)

Yield on earning assets 5.46% 6.11%

Net interest margin 3.38% 3.91%

Nonint. exp./earning assets 2.50% 2.61%

Return on assets (ROA) 0.69% 1.13%

Return on equity (ROE) 10.97% 15.64%

Net charge-offs to loans 0.29% 0.06%

Efficiency ratio 69.69% 62.08%

Assets/employee ($millions) 5.42 4.60

Loss allowance to loans 1.01% 0.98%

Noncurrent assets, OREO 0.88% 0.32%

Noncurrent loans to loans 0.46% 0.02%

Net loans, leases / deposits 75.81% 89.63%

Equity capital to assets 5.75% 7.57%

Florida Capital Bank NA

710 E. Tarpon Ave.

Tarpon Springs, Fla. 34689

Web site: flcb.com

Established: Aug. 12, 1985

Lead executive: Charles E. Hughes Jr., CEO

6/30/04 6/30/05

Total employees 14 71

Offices 1 3

Total assets 24,956 58,651

Net loans & leases 12,281 31,452

Total liabilities 21,932 41,232

Total deposits 21,811 40,492

Equity capital 3,024 17,419

Noncurrent loans/leases 0 48

Insider loans 33 769

Total interest income 591 1,128

Total interest expense 135 253

Net interest income 456 875

Total noninterest income 124 188

Total noninterest expense 611 2,393

Salaries, benefits 323 1,528

Pre-tax operating income 29 -1,453

Net income 25 -1,453

Performance Ratios (%)

Yield on earning assets 5.10% 5.32%

Net interest margin 3.93% 4.12%

Nonint. exp./earning assets 5.27% 11.28%

Return on assets (ROA) 0.20% -5.96%

Return on equity (ROE) 1.65% -16.83%

Efficiency ratio 105.34% 217.03%

Assets/employee ($millions) 1.78 0.83

Loss allowance to loans 3.28% 1.58%

Noncurrent assets, OREO 0 0.08%

Noncurrent loans to loans 0 0.15%

Net loans, leases / deposits 56.31% 77.67%

Equity capital to assets 12.12% 29.70%

Florida Community Bank

1400 N. 15th St.

Immokalee, Fla. 34142

Phone: (239) 657-3171

Web site: N/A

Established: July 7, 1923

Lead executive: Stephen Price, CEO

6/30/04 6/30/05

Total employees 156 160

Offices 9 10

Total assets 600,685 788,415

Net loans & leases 489,286 658,695

Total liabilities 543,926 717,126

Total deposits 501,177 648,796

Equity capital 56,759 71,289

Noncurrent loans/leases 2,402 217

Insider loans 8,924 10,249

Total interest income 18,627 25,332

Total interest expense 4,160 6,674

Net interest income 14,467 18,658

Total noninterest income 1,827 1,921

Total noninterest expense 5,751 5,860

Salaries, benefits 3,887 3,668

Pre-tax operating income 10,043 14,719

Net income 6,260 9,047

Performance Ratios (%)

Yield on earning assets 7.22% 7.54%

Net interest margin 5.61% 5.56%

Nonint. exp./earning assets 2.23% 1.75%

Return on assets (ROA) 2.22% 2.50%

Return on equity (ROE) 23.10% 27.15%

Net charge-offs to loans 0.06% -0.03%

Efficiency ratio 35.30% 28.48%

Assets/employee ($millions) 3.85 4.93

Loss allowance to loans 1.69% 1.48%

Noncurrent assets, OREO 1.36% 0.31%

Noncurrent loans to loans 0.48% 0.03%

Net loans, leases / deposits 97.63% 101.53%

Equity capital to assets 9.45% 9.04%

Florida Gulf Bank

9101 College Pointe Court

Fort Myers, Fla. 33919

Phone: (239) 332-4440

Fax: (239) 332-4987

Web site: floridagulfbank.com

Established: Feb. 5, 2001

Lead executive: Bill Valenti, president and CEO

6/30/04 6/30/05

Total employees 45 70

Offices 3 5

Total assets 175,150 276,379

Net loans & leases 104,871 148,273

Total liabilities 158,931 258,922

Total deposits 137,607 217,818

Equity capital 16,219 17,457

Noncurrent loans/leases 126 119

Insider loans 2,641 3,670

Total interest income 3,156 5,486

Total interest expense 702 1,711

Net interest income 2,454 3,775

Total noninterest income 398 607

Total noninterest expense 2,013 3,044

Salaries, benefits 1,150 1,728

Pre-tax operating income 579 988

Net income 359 613

Performance Ratios (%)

Yield on earning assets 4.59% 4.93%

Net interest margin 3.57% 3.39%

Nonint. exp./earning assets 2.93% 2.73%

Return on assets (ROA) 0.48% 0.51%

Return on equity (ROE) 5.71% 7.20%

Net charge-offs to loans 0 0

Efficiency ratio 70.58% 69.47%

Assets/employee ($millions) 3.89 3.95

Loss allowance to loans 1.38% 1.37%

Noncurrent assets, OREO 0.27% 0.04%

Noncurrent loans to loans 0.12% 0.08%

Net loans, leases / deposits 76.21% 68.07%

Equity capital to assets 9.26% 6.32%

GulfStream Community Bank

9037 U.S. Highway 19 N.

Port Richey, Fla. 34668

Phone: (727) 846-0066

Web site: gulfstreamcommunitybank.com

Established: Oct. 11, 2000

Lead executive: Philip H. Chesnut, president and CEO

6/30/04 6/30/05

Total employees 15 15

Offices 1 1

Total assets 45,194 57,695

Net loans & leases 31,241 39,251

Total liabilities 39,948 48,948

Total deposits 39,912 48,900

Equity capital 5,246 8,747

Noncurrent loans/leases 0 0

Insider loans 240 1,992

Total interest income 994 1,358

Total interest expense 342 460

Net interest income 652 898

Total noninterest income 78 82

Total noninterest expense 540 652

Salaries, benefits 274 357

Pre-tax operating income 154 298

Net income 95 185

Performance Ratios (%)

Yield on earning assets 5.63% 5.48%

Net interest margin 3.69% 3.62%

Nonint. exp./earning assets 3.06% 2.63%

Return on assets (ROA) 0.45% 0.68%

Return on equity (ROE) 4.09% 4.28%

Net charge-offs to loans 0 -0.14%

Efficiency ratio 73.97% 66.53%

Assets/employee ($millions) 3.01 3.85

Loss allowance to loans 0.70% 0.79%

Noncurrent assets, OREO 0 0

Noncurrent loans to loans 0 0

Net loans, leases / deposits 78.27% 80.27%

Equity capital to assets 11.61% 15.16%

Heritage Bank of Florida

23000 State Road 54

Lutz, Fla. 33549

Phone: (813) 909-8663

Web site: heritagebankfl.com

Established: Aug. 3, 1999

Lead executive: Richard E. Adams, president and CEO

6/30/04 6/30/05

Total employees 22 24

Offices 2 2

Total assets 102,171 134,170

Net loans & leases 81,384 111,993

Total liabilities 93,213 123,975

Total deposits 87,072 108,704

Equity capital 8,958 10,195

Noncurrent loans/leases 0 115

Insider loans 2,194 2,808

Total interest income 2,635 3,811

Total interest expense 747 1,243

Net interest income 1,888 2,568

Total noninterest income 199 250

Total noninterest expense 1,054 1,265

Salaries, benefits 459 556

Pre-tax operating income 758 1,225

Net income 465 745

Performance Ratios (%)

Yield on earning assets 6.05% 6.83%

Net interest margin 4.33% 4.60%

Nonint. exp./earning assets 2.42% 2.27%

Return on assets (ROA) 1.01% 1.25%

Return on equity (ROE) 10.66% 15.18%

Net charge-offs to loans 0.44% 0.48%

Efficiency ratio 50.50% 44.89%

Assets/employee ($millions) 4.64 5.59

Loss allowance to loans 0.96% 1.01%

Noncurrent assets, OREO 0.08% 0.09%

Noncurrent loans to loans 0 0.10%

Net loans, leases / deposits 93.47% 103.03%

Equity capital to assets 8.77% 7.60%

Hillsboro Bank

509 W. Alexander St.

Plant City, Fla. 33566

Phone: (813) 707-6506

Web site: N/A

Established: July 6, 1998

Lead executive: Gary Booth, president

6/30/04 6/30/05

Total employees 17 18

Offices 1 1

Total assets 68,187 78,548

Net loans & leases 30,727 38,164

Total liabilities 59,802 69,415

Total deposits 59,256 68,875

Equity capital 8,385 9,133

Noncurrent loans/leases 193 125

Insider loans 539 533

Total interest income 1,516 1,842

Total interest expense 272 333

Net interest income 1,244 1,509

Total noninterest income 150 116

Total noninterest expense 826 929

Salaries, benefits 444 497

Pre-tax operating income 561 693

Net income 372 453

Performance Ratios (%)

Yield on earning assets 5.29% 5.32%

Net interest margin 4.34% 4.36%

Nonint. exp./earning assets 2.88% 2.68%

Return on assets (ROA) 1.17% 1.22%

Return on equity (ROE) 8.95% 10.10%

Net charge-offs to loans -0.23% 0.03%

Efficiency ratio 59.25% 57.17%

Assets/employee ($millions) 4.01 4.36

Loss allowance to loans 1.66% 1.25%

Noncurrent assets, OREO 0.28% 0.16%

Noncurrent loans to loans 0.62% 0.32%

Net loans, leases / deposits 51.85% 55.41%

Equity capital to assets 12.30% 11.63%

Horizon Bank

900 53rd Ave., E.

Bradenton, Fla. 34203

Phone: (941) 753-2265

Web site: horizonbankfl.com

Established: Oct. 25, 1999

Lead executive: Charles S. Conoley, president and CEO

6/30/04 6/30/05

Total employees 29 31

Offices 2 2

Total assets 110,695 134,554

Net loans & leases 89,631 113,649

Total liabilities 103,323 124,838

Total deposits 101,206 117,514

Equity capital 7,372 9,716

Noncurrent loans/leases 142 994

Insider loans 3,094 3,922

Total interest income 2,982 4,015

Total interest expense 1,033 1,395

Net interest income 1,949 2,620

Total noninterest income 8 215

Total noninterest expense 1,448 1,511

Salaries, benefits 719 798

Pre-tax operating income 323 1,124

Net income 323 679

Performance Ratios (%)

Yield on earning assets 6.77% 6.74%

Net interest margin 4.43% 4.40%

Nonint. exp./earning assets 3.29% 2.54%

Return on assets (ROA) 0.64% 1.05%

Return on equity (ROE) 9.50% 14.95%

Net charge-offs to loans 0.09% 0.07%

Efficiency ratio 73.99% 53.30%

Assets/employee ($millions) 3.82 4.34

Loss allowance to loans 0.94% 0.96%

Noncurrent assets, OREO 0.13% 0.74%

Noncurrent loans to loans 0.16% 0.87%

Net loans, leases / deposits 88.56% 96.71%

Equity capital to assets 6.66% 7.22%

LandMark Bank of Florida

544 S. Washington Blvd.

Sarasota, Fla. 34236

Phone: (941) 954-5100

Web site: landmarkbankfl.com

Established: Feb. 4, 2000

Lead executive: Thomas G. Quale, president and CEO

6/30/04 6/30/05

Total employees 35 47

Offices 3 4

Total assets 151,915 219,416

Net loans & leases 106,993 165,538

Total liabilities 142,504 204,569

Total deposits 135,395 188,984

Equity capital 9,411 14,847

Noncurrent loans/leases 0 41

Insider loans 1,486 2,563

Total interest income 3,355 5,558

Total interest expense 1,018 1,713

Net interest income 2,337 3,845

Total noninterest income 196 257

Total noninterest expense 1,831 2,415

Salaries, benefits 1,075 1,428

Pre-tax operating income 547 1,284

Net income 340 843

Performance Ratios (%)

Yield on earning assets 5.05% 6.15%

Net interest margin 3.51% 4.25%

Nonint. exp./earning assets 2.75% 2.67%

Return on assets (ROA) 0.48% 0.86%

Return on equity (ROE) 7.18% 11.92%

Net charge-offs to loans 0 0.00%

Efficiency ratio 72.29% 58.87%

Assets/employee ($millions) 4.34 4.67

Loss allowance to loans 1.10% 1.10%

Noncurrent assets, OREO 0 0.02%

Noncurrent loans to loans 0 0.02%

Net loans, leases / deposits 79.02% 87.59%

Equity capital to assets 6.19% 6.77%

Manatee River Community Bank

430 8th Ave., W.

Palmetto, Fla. 34221

Phone: (941) 722-2992

Web site: manateeriverbank.com

Established: Dec. 7, 1998

S-Corp: yes

Lead executive: Allen Langford, president and CEO

6/30/04 6/30/05

Total employees 29 33

Offices 1 1

Total assets 108,381 121,550

Net loans & leases 82,708 100,621

Total liabilities 100,466 113,000

Total deposits 98,529 111,633

Equity capital 7,915 8,550

Noncurrent loans/leases 327 0

Insider loans 1,370 1,846

Total interest income 2,507 3,102

Total interest expense 1,078 1,328

Net interest income 1,429 1,774

Total noninterest income 233 270

Total noninterest expense 1,266 1,517

Salaries, benefits 762 912

Pre-tax operating income 351 490

Net income 407 498

Performance Ratios (%)

Yield on earning assets 5.52% 5.68%

Net interest margin 3.14% 3.25%

Nonint. exp./earning assets 2.79% 2.78%

Return on assets (ROA) 0.81% 0.84%

Return on equity (ROE) 11.14% 11.91%

Net charge-offs to loans 0 0.00%

Efficiency ratio 76.17% 74.22%

Assets/employee ($millions) 3.74 3.68

Loss allowance to loans 0.59% 0.47%

Noncurrent assets, OREO 0.30% -0.01%

Noncurrent loans to loans 0.39% 0

Net loans, leases / deposits 83.94% 90.14%

Equity capital to assets 7.30% 7.03%

Marco Community Bank

1770 San Marco Road

Marco Island, Fla. 34145

Phone: (239) 389-5200

Web site: marcocommunitybank.com

Established: Aug. 18, 2003

Lead executive: Tom Whelan, acting president

6/30/04 6/30/05

Total employees 16 24

Offices 1 1

Total assets 81,534 138,547

Net loans & leases 60,519 116,073

Total liabilities 75,977 126,027

Total deposits 75,823 125,550

Equity capital 5,557 12,520

Noncurrent loans/leases 0 0

Insider loans 0 0

Total interest income 997 3,722

Total interest expense 317 1,157

Net interest income 680 2,565

Total noninterest income 20 152

Total noninterest expense 680 1,384

Salaries, benefits 340 711

Pre-tax operating income -456 1,109

Net income -285 692

Performance Ratios (%)

Yield on earning assets 3.93% 6.04%

Net interest margin 2.68% 4.16%

Nonint. exp./earning assets 2.68% 2.25%

Return on assets (ROA) -1.08% 1.07%

Return on equity (ROE) -10.02% 11.71%

Net charge-offs to loans 0 0.00%

Efficiency ratio 97.14% 50.94%

Assets/employee ($millions) 5.10 5.77

Loss allowance to loans 1.15% 1.11%

Noncurrent assets, OREO 0 0

Noncurrent loans to loans 0 0

Net loans, leases / deposits 79.82% 92.45%

Equity capital to assets 6.82% 9.04%

Old Florida Bank

6321 Daniels Parkway

Fort Myers, Fla. 33912

Phone: (239) 561-6222

Web site: oldflbank.com

Established: Sept. 10, 1998

Lead executive: Larry Johnson, president and CEO

6/30/04 6/30/05

Total employees 60 67

Offices 4 5

Total assets 202,861 277,276

Net loans & leases 158,913 214,414

Total liabilities 181,807 254,837

Total deposits 158,486 245,623

Equity capital 21,054 22,439

Noncurrent loans/leases 174 11

Insider loans 2,231 2,048

Total interest income 4,904 7,312

Total interest expense 1,493 2,870

Net interest income 3,411 4,442

Total noninterest income 220 398

Total noninterest expense 3,122 3,115

Salaries, benefits 1,701 1,666

Pre-tax operating income 326 1,380

Net income 211 888

Performance Ratios (%)

Yield on earning assets 5.98% 6.23%

Net interest margin 4.16% 3.78%

Nonint. exp./earning assets 3.81% 2.65%

Return on assets (ROA) 0.23% 0.69%

Return on equity (ROE) 2.00% 8.10%

Net charge-offs to loans 0 0.03%

Efficiency ratio 83.83% 63.12%

Assets/employee ($millions) 3.38 4.14

Loss allowance to loans 1.00% 1.00%

Noncurrent assets, OREO 0.09% 0.00%

Noncurrent loans to loans 0.11% 0.01%

Net loans, leases / deposits 100.27% 87.29%

Equity capital to assets 10.38% 8.09%

Old Harbor Bank

2605 Enterprise Road E., Suite 100

Clearwater, Fla. 33759

Phone: (727) 451-2265

Web site: oldharborbank.com

Established: July 14, 2003

Lead executive: Barry K. Miller, chairman and president

6/30/04 6/30/05

Total employees 11 31

Offices 2 3

Total assets 55,402 107,975

Net loans & leases 30,818 77,304

Total liabilities 48,670 93,962

Total deposits 48,635 88,700

Equity capital 6,732 14,013

Noncurrent loans/leases 0 0

Insider loans 1,689 3,746

Total interest income 833 2,584

Total interest expense 293 1,000

Net interest income 540 1,584

Total noninterest income 12 26

Total noninterest expense 679 1,384

Salaries, benefits 386 846

Pre-tax operating income -319 -114

Net income -200 -72

Performance Ratios (%)

Yield on earning assets 4.33% 5.63%

Net interest margin 2.80% 3.45%

Nonint. exp./earning assets 3.53% 3.02%

Return on assets (ROA) -0.97% -0.15%

Return on equity (ROE) -5.79% -1.03%

Net charge-offs to loans 0 0

Efficiency ratio 123.01% 85.96%

Assets/employee ($millions) 5.04 3.48

Loss allowance to loans 1.18% 1.22%

Noncurrent assets, OREO 0 0

Noncurrent loans to loans 0 0

Net loans, leases / deposits 63.37% 87.15%

Equity capital to assets 12.15% 12.98%

Orion Bank

3838 N. Tamiami Trail

Naples, Fla. 34103

Phone: (800) 648-4262

Web site: orionbank.com

Established: Feb. 28, 1977

Lead executive: Jerry J. Williams, chairman, president and CEO

6/30/04 6/30/05

Total employees 177 223

Offices 14 16

Total assets 1,115,574 1,421,207

Net loans & leases 907,888 1,151,660

Total liabilities 1,022,273 1,298,373

Total deposits 873,088 1,092,732

Equity capital 93,301 122,834

Noncurrent loans/leases 19 65

Insider loans 20,224 13,887

Total interest income 26,834 39,968

Total interest expense 6,847 10,769

Net interest income 19,987 29,199

Total noninterest income 3,865 2,840

Total noninterest expense 11,604 13,259

Salaries, benefits 6,166 8,260

Pre-tax operating income 11,498 17,730

Net income 7,534 10,873

Performance Ratios (%)

Yield on earning assets 5.73% 6.53%

Net interest margin 4.27% 4.77%

Nonint. exp./earning assets 2.48% 2.17%

Return on assets (ROA) 1.47% 1.63%

Return on equity (ROE) 17.77% 18.65%

Net charge-offs to loans 0.01% 0.01%

Efficiency ratio 48.65% 41.38%

Assets/employee ($millions) 6.30 6.37

Loss allowance to loans 0.66% 0.66%

Noncurrent assets, OREO 0.00% 0.00%

Noncurrent loans to loans 0.00% 0.01%

Net loans, leases / deposits 103.99% 105.39%

Equity capital to assets 8.36% 8.64%

The Palm Bank

612 S. Dale Mabry Highway

Tampa, Fla. 33609

Phone: (813) 873-7256

Web site: thepalmbank.com

Established: Feb. 11, 2003

S-Corp: yes

Lead executive: Chris Anderson, president and CEO

6/30/04 6/30/05

Total employees 18 27

Offices 2 2

Total assets 63,322 105,043

Net loans & leases 36,726 69,226

Total liabilities 53,201 94,517

Total deposits 50,048 89,256

Equity capital 10,121 10,526

Noncurrent loans/leases 0 223

Insider loans 2,454 1,595

Total interest income 1,115 2,371

Total interest expense 254 764

Net interest income 861 1,607

Total noninterest income 80 135

Total noninterest expense 880 1,417

Salaries, benefits 470 795

Pre-tax operating income -92 84

Net income -92 84

Performance Ratios (%)

Yield on earning assets 4.43% 5.66%

Net interest margin 3.42% 3.84%

Nonint. exp./earning assets 3.49% 3.38%

Return on assets (ROA) -0.34% 0.18%

Return on equity (ROE) -1.76% 1.61%

Net charge-offs to loans 0 0.01%

Efficiency ratio 93.52% 81.34%

Assets/employee ($millions) 3.52 3.89

Loss allowance to loans 1.16% 1.25%

Noncurrent assets, OREO 0 0.21%

Noncurrent loans to loans 0 0.32%

Net loans, leases / deposits 73.38% 77.56%

Equity capital to assets 15.98% 10.02%

Pelican National Bank

811 Anchor Rode Drive

Naples, Fla. 34103

Phone: (239) 403-0076

Web site: pelicannational.com

Established: Aug. 25, 1997

Lead executive: Charles C. Huffman, president and CEO

6/30/04 6/30/05

Total employees 70 68

Offices 5 6

Total assets 258,303 204,645

Net loans & leases 105,180 113,568

Total liabilities 243,378 189,553

Total deposits 231,108 150,641

Equity capital 14,925 15,092

Noncurrent loans/leases 211 655

Insider loans 97 580

Total interest income 5,345 5,222

Total interest expense 2,193 2,417

Net interest income 3,152 2,805

Total noninterest income 145 136

Total noninterest expense 3,288 3,421

Salaries, benefits 1,816 1,778

Pre-tax operating income -66 -480

Net income -40 -296

Performance Ratios (%)

Yield on earning assets 4.54% 5.45%

Net interest margin 2.68% 2.93%

Nonint. exp./earning assets 2.79% 3.57%

Return on assets (ROA) -0.03% -0.29%

Return on equity (ROE) -0.54% -3.91%

Net charge-offs to loans 0.32% -0.05%

Efficiency ratio 99.73% 116.32%

Assets/employee ($millions) 3.69 3.01

Loss allowance to loans 1.15% 0.86%

Noncurrent assets, OREO 0.08% 0.35%

Noncurrent loans to loans 0.20% 0.57%

Net loans, leases / deposits 45.51% 75.39%

Equity capital to assets 5.78% 7.37%

Peninsula Bank

3100 S. McCall Road

Englewood, Fla. 34224

Phone: (941) 474-7734

Web site: peninsulabank.com

Established: Jan. 21, 1986

Lead executive: Simon Portnoy, chairman, president

6/30/04 6/30/05

Total employees 91 100

Offices 8 9

Total assets 352,859 433,215

Net loans & leases 214,816 280,950

Total liabilities 324,377 400,341

Total deposits 319,068 395,411

Equity capital 28,482 32,874

Noncurrent loans/leases 436 975

Insider loans 18,003 13,002

Total interest income 8,876 11,275

Total interest expense 3,360 4,399

Net interest income 5,516 6,876

Total noninterest income 1,216 1,244

Total noninterest expense 3,372 3,687

Salaries, benefits 1,674 1,898

Pre-tax operating income 3,245 4,166

Net income 2,138 2,600

Performance Ratios (%)

Yield on earning assets 5.60% 6.01%

Net interest margin 3.48% 3.67%

Nonint. exp./earning assets 2.13% 1.97%

Return on assets (ROA) 1.24% 1.28%

Return on equity (ROE) 15.47% 16.44%

Net charge-offs to loans 0.11% 0.09%

Efficiency ratio 50.09% 45.41%

Assets/employee ($millions) 3.88 4.33

Loss allowance to loans 0.81% 0.76%

Noncurrent assets, OREO 1.33% 1.16%

Noncurrent loans to loans 0.20% 0.34%

Net loans, leases / deposits 67.33% 71.05%

Equity capital to assets 8.07% 7.59%

People's Community Bank of the West Coast

25 South Links Ave.

Sarasota, Fla. 34236

Phone: (941) 365-5934

Web site: peoplescb.com

Established: Oct. 4, 1999

Lead executive: Neil McCurry Jr., CEO

6/30/04 6/30/05

Total employees 36 48

Offices 3 4

Total assets 171,462 254,133

Net loans & leases 134,612 202,180

Total liabilities 156,211 233,967

Total deposits 149,344 207,007

Equity capital 15,251 20,166

Noncurrent loans/leases 0 56

Insider loans 1,838 3,591

Total interest income 3,577 6,442

Total interest expense 1,077 2,291

Net interest income 2,500 4,151

Total noninterest income 215 428

Total noninterest expense 1,793 2,500

Salaries, benefits 1,073 1,621

Pre-tax operating income 430 1,654

Net income 267 1,023

Performance Ratios (%)

Yield on earning assets 5.35% 6.22%

Net interest margin 3.74% 4.01%

Nonint. exp./earning assets 2.68% 2.41%

Return on assets (ROA) 0.37% 0.93%

Return on equity (ROE) 4.04% 11.68%

Net charge-offs to loans 0.03% -0.04%

Efficiency ratio 66.04% 54.60%

Assets/employee ($millions) 4.76 5.29

Loss allowance to loans 1.11% 1.16%

Noncurrent assets, OREO 0 0.02%

Noncurrent loans to loans 0 0.03%

Net loans, leases / deposits 90.14% 97.67%

Equity capital to assets 8.89% 7.94%

Pilot Bank

5140 E. Fowler Ave.

Tampa, Fla. 33617

Phone: (813) 349-4530

Web site: pilotbank.com

Established: Sept. 4, 1987

Lead executive: John Puffer III, chairman, president and CEO

6/30/04 6/30/05

Total employees 56 62

Offices 4 6

Total assets 137,619 152,520

Net loans & leases 86,258 99,631

Total liabilities 127,373 139,181

Total deposits 117,378 134,173

Equity capital 10,246 13,339

Noncurrent loans/leases 388 239

Insider loans 261 1,950

Total interest income 3,536 3,892

Total interest expense 876 1,051

Net interest income 2,660 2,841

Total noninterest income 730 752

Total noninterest expense 2,376 2,814

Salaries, benefits 1,292 1,531

Pre-tax operating income 804 569

Net income 567 416

Performance Ratios (%)

Yield on earning assets 5.94% 6.30%

Net interest margin 4.47% 4.60%

Nonint. exp./earning assets 3.99% 4.55%

Return on assets (ROA) 0.83% 0.58%

Return on equity (ROE) 11.02% 6.55%

Net charge-offs to loans -0.08% 0.28%

Efficiency ratio 70.09% 78.32%

Assets/employee ($millions) 2.46 2.46

Loss allowance to loans 1.24% 1.30%

Noncurrent assets, OREO 0.88% 0.16%

Noncurrent loans to loans 0.44% 0.24%

Net loans, leases / deposits 73.49% 74.26%

Equity capital to assets 7.45% 8.75%

Platinum Bank

802 W. Lumsden Road

Brandon, Fla. 33511

Phone: (813) 655-1234

Web site: platinumbank.com

Established: Dec. 8, 1997

S-Corp: yes

Lead executive: Jerry M. Kyle, president and CEO

6/30/04 6/30/05

Total employees 37 43

Offices 4 5

Total assets 212,349 282,960

Net loans & leases 145,573 167,430

Total liabilities 198,092 266,280

Total deposits 192,723 249,295

Equity capital 14,257 16,680

Noncurrent loans/leases 0 0

Insider loans 5,282 8,975

Total interest income 5,169 6,462

Total interest expense 1,846 2,188

Net interest income 3,323 4,274

Total noninterest income 226 239

Total noninterest expense 2,194 2,589

Salaries, benefits 1,387 1,667

Pre-tax operating income 1,253 1,777

Net income 1,269 1,776

Performance Ratios (%)

Yield on earning assets 5.51% 5.60%

Net interest margin 3.55% 3.70%

Nonint. exp./earning assets 2.34% 2.24%

Return on assets (ROA) 1.26% 1.42%

Return on equity (ROE) 17.49% 21.74%

Net charge-offs to loans 0 0

Efficiency ratio 61.82% 57.37%

Assets/employee ($millions) 5.74 6.58

Loss allowance to loans 1.16% 1.21%

Noncurrent assets, OREO 0 0

Noncurrent loans to loans 0 0

Net loans, leases / deposits 75.53% 67.16%

Equity capital to assets 6.71% 5.89%

Raymond James Bank FSB

710 Carillon Parkway

St. Petersburg, Fla. 33716

Phone: (877) 874-2265

Fax: (727) 567-8618

Web site: raymondjamesbank.com

Established: May 6, 1994

Lead executive: Thomas A. James, chairman and CEO

6/30/04 6/30/05

Total employees 63 61

Offices 1 1

Total assets 911,527 1,151,547

Net loans & leases 637,301 891,867

Total liabilities 836,331 1,068,523

Total deposits 772,866 993,738

Equity capital 75,196 83,024

Noncurrent loans/leases 4,175 986

Insider loans 1,330 299

Total interest income 13,350 21,545

Total interest expense 4,875 10,898

Net interest income 8,475 10,647

Total noninterest income 532 312

Total noninterest expense 3,570 3,909

Salaries, benefits 2,091 2,402

Pre-tax operating income 5,010 5,822

Net income 3,161 3,701

Performance Ratios (%)

Yield on earning assets 3.12% 4.21%

Net interest margin 1.98% 2.08%

Nonint. exp./earning assets 0.84% 0.76%

Return on assets (ROA) 0.72% 0.71%

Return on equity (ROE) 8.65% 9.14%

Net charge-offs to loans 0 0

Efficiency ratio 39.64% 35.67%

Assets/employee ($millions) 14.47 18.88

Loss allowance to loans 1.07% 0.92%

Noncurrent assets, OREO 0.46% 0.09%

Noncurrent loans to loans 0.65% 0.11%

Net loans, lease