Florida Traditions Bank

Dade City, FL · Cert 58682

FDIC · 8 branches

Q2 2014

$307.3MAssets

$255.6MLoans

$272.6MDeposits

$30.4MEquity

Loan mix

Deposit mix

NIM

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2014 SOD (annual) · 0.3% share · #29 of 66 inst. · $0.2B of $65.7B

2.9% Pasco

0.8% Polk

1.8% Hernando

1.3% Osceola

Earnings: ROA of 1.22%, down 3 bps year over year; NIM at 3.85%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.47%.
Funding: loans stand at 93.76% of deposits as of Q2 2014.

Return on Assets (quarter, annualized)

1.22%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+22 bps YoY

Efficiency Ratio (quarter, annualized)

60.35%-94 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2013	Q3 2013	Q4 2013	Q1 2014	Q2 2014	YoY Δ	Trend
Earnings
Return on Assets	1.25%	0.70%	0.95%	1.26%	1.22%	-3 bps
Return on Equity	9.93%	5.65%	8.71%	13.27%	12.66%	+272 bps
Net Interest Margin	3.63%	3.62%	3.81%	3.82%	3.85%	+22 bps
Efficiency Ratio	61.29%	72.37%	61.66%	62.85%	60.35%	-94 bps
Non-Interest Burden	1.46%	2.46%	1.78%	1.84%	1.92%	+46 bps
Growth
Asset Growth (YoY)	13.02%	15.15%	7.03%	11.20%	7.04%	-598 bps
Loan Growth (YoY)	18.71%	13.54%	21.37%	21.26%	16.33%	-237 bps
Deposit Growth (YoY)	13.81%	16.59%	10.69%	14.95%	10.37%	-344 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.09%	0.02%	0.00%	0.01%	0.47%	+38 bps
Allowance / Loans	2.01%	1.97%	1.98%	1.94%	1.77%	-23 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	14.63%	14.24%	10.91%	11.27%	11.03%	-360 bps
Equity / Assets	12.53%	12.31%	9.60%	9.41%	9.88%	-265 bps
Liquidity & Funding
Loans / Deposits	88.95%	88.38%	92.99%	89.58%	93.76%	+481 bps
Liquid Assets / Assets	10.25%	10.32%	3.00%	8.00%	3.49%	-676 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a