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 -0.93%, down 118 bps year over year; NIM at -9.17%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.50%.
Funding: loans stand at 77.08% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

-0.93%-118 bps YoY

Net Interest Margin (quarter, annualized)

-9.17%-1,244 bps YoY

Efficiency Ratio (quarter, annualized)

89.88%+755 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.26%	0.30%	0.32%	0.33%	-0.93%	-118 bps
Return on Equity	2.51%	3.03%	3.25%	3.27%	-7.87%	-1,038 bps
Net Interest Margin	3.27%	3.23%	3.18%	3.23%	-9.17%	-1,244 bps
Efficiency Ratio	82.33%	83.13%	81.10%	78.80%	89.88%	+755 bps
Non-Interest Burden	2.64%	2.65%	2.54%	2.50%	-7.26%	-990 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	0.47%	0.30%	0.03%	0.18%	-0.50%	-97 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