Riverside Bank of Central Florida

Winter Park, FL · Cert 57164

FDIC · 5 branches

Q4 2014

$227.1MAssets

$151.8MLoans

$196.9MDeposits

$30.0MEquity

Loan mix

Deposit mix

NIM

Market Position · Orlando-Kissimmee-Sanford, FL · 2014 SOD (annual) · 0.5% share · #24 of 45 inst. · $0.2B of $40.8B

0.4% Orange

1.4% Seminole

0.5% Osceola

Earnings: ROA of 0.01%, down 20 bps year over year; NIM at 0.13%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 77.08% of deposits as of Q4 2014.

Return on Assets (YTD, annualized)

0.01%-20 bps YoY

Net Interest Margin (YTD, annualized)

0.13%-293 bps YoY

Efficiency Ratio (YTD, annualized)

84.36%-73 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.21%	0.30%	0.31%	0.32%	0.01%	-20 bps
Return on Equity	2.00%	3.03%	3.13%	3.18%	0.07%	-192 bps
Net Interest Margin	3.06%	3.23%	3.13%	3.18%	0.13%	-293 bps
Efficiency Ratio	85.09%	83.13%	82.09%	80.98%	84.36%	-73 bps
Non-Interest Burden	2.56%	2.65%	2.53%	2.53%	0.12%	-245 bps
Growth
Asset Growth (YoY)	4.08%	9.70%	16.73%	7.36%	4.87%	+79 bps
Loan Growth (YoY)	9.50%	12.68%	13.26%	12.78%	4.48%	-501 bps
Deposit Growth (YoY)	-0.38%	7.39%	14.16%	8.94%	6.73%	+710 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.36%	0.30%	0.16%	0.17%	0.00%	-36 bps
Allowance / Loans	1.43%	1.41%	1.41%	1.41%	0.00%	-143 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	13.05%	13.05%	13.08%	13.16%	11.31%	-174 bps
Equity / Assets	10.15%	9.79%	10.02%	10.37%	13.21%	+306 bps
Liquidity & Funding
Loans / Deposits	78.73%	73.12%	74.22%	76.84%	77.08%	-165 bps
Liquid Assets / Assets	4.67%	9.40%	8.86%	6.30%	20.71%	+1,604 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a