Centerbank of Jacksonville, N.A.

Jacksonville, FL · Cert 35542

FDIC

Q3 2011

$133.0MAssets

$114.1MLoans

$125.0MDeposits

$7.5MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -12.90%, down 644 bps year over year; NIM at 2.47%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 9.31%.
Funding: loans stand at 91.35% of deposits as of Q3 2011.

Return on Assets (YTD, annualized)

-12.90%-644 bps YoY

Net Interest Margin (YTD, annualized)

2.47%+17 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2010	Q4 2010	Q1 2011	Q2 2011	Q3 2011	YoY Δ	Trend
Earnings
Return on Assets	-6.46%	-5.77%	-10.55%	-9.79%	-12.90%	-644 bps
Return on Equity	-55.81%	-52.52%	-120.46%	-109.92%	-156.94%	-10,113 bps
Net Interest Margin	2.30%	2.38%	1.85%	2.30%	2.47%	+17 bps
Efficiency Ratio	154.40%	147.37%	209%	154.66%	n/a	n/a
Non-Interest Burden	3.50%	3.50%	3.79%	3.60%	6.40%	+290 bps
Growth
Asset Growth (YoY)	-8.64%	-5.97%	-5.53%	-12.32%	-19.50%	-1,086 bps
Loan Growth (YoY)	-10.48%	-5.65%	-5.71%	-6.86%	-11.99%	-151 bps
Deposit Growth (YoY)	-4.60%	-1.22%	-0.48%	-11.30%	-15.54%	-1,094 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	1.77%	2.26%	6.73%	6.47%	9.31%	+755 bps
Allowance / Loans	2.99%	2.99%	2.90%	4.30%	4.31%	+132 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	12.20%	11.07%	13.06%	13.05%	7.86%	-434 bps
Equity / Assets	9.89%	8.50%	9.03%	9.22%	5.63%	-427 bps
Liquidity & Funding
Loans / Deposits	87.66%	82.31%	82.03%	85.89%	91.35%	+368 bps
Liquid Assets / Assets	8.00%	13.17%	14.05%	12.75%	5.74%	-226 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a