Y-T-D Q2 ‘09 Performance

• Consumer lending department is also seeing improvement

in the indirect portfolio which is now approximately $63
million. Delinquencies, non-accruals and charge-offs are
down, with further improvement anticipated throughout
the remainder of 2009.
• In general, pipelines for new business in Commercial
Lending, Residential Lending, Naples Capital Advisors and
Private Banking are larger than any time in the past 12
months.
• Lower interest rates provide great opportunity to improve
the net interest margin that could dramatically improve
profitability.
• Discretionary expenses are down resulting in hundreds of
thousands of dollars in savings.

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 Capital Raise Description
Target Capital Raise: $50-70 million

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 Key Future Objectives
Our major focus is to:
• Improve earnings, capital ratios and manage the Bank in a
safe and sound manner.
• In addition, provide long term superior shareholder returns.
Long term goal is to strive for:
• Return on Assets to exceed 1%.
• Return on Equity to exceed 12%.
• Net Interest Margin to exceed 3.50%.
• Total Assets of approximately $2.5 billion with a
28-30 branch network.

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