Experience Makes It Happen.

Presentation to:

LinkedIn Members

Experience Makes It Happen.

Introduction and Statewide Presence

Central Florida Team

Value Proposition

Treasury Services

Value-added Services

Q4 2009 Financial Fact Sheet

Table of Contents

Experience Makes It Happen.

Florida Capital Bank is one of the fastest growing banks in Florida.

Founded in 2005 in Jacksonville Privately held company with total assets over $800 million Banking offices in seven markets across Florida

We’re not a community bank, but we’re not one of the mega-banks either.

State-wide, business-focused bank offering all the products and services you would expect from a big bank

Superior customer service you expect from a community bank

Experienced banking professionals with the authority to make decisions and the power to react quickly

The results — more customized banking solutions and significantly faster response times. It’s just a much better banking experience.

Every bank is out to win your business. At Florida Capital Bank, we intend to keep it.

Allow Us To Introduce Ourselves

Charles E. Hughes Jr. President and CEO

Experience Makes It Happen.

Location. Location. Location.

We’re in your neighborhood.

Currently operating banking offices and one loan production office in seven markets throughout Florida.

Northeast Florida Region

Alachua Region

Volusia/Flagler Region

Central Florida Region

Tampa Region

Pinellas/Pasco Region

South Florida Region

Experience Makes It Happen.

Meet Your Central Florida team

Charles “Chuck” OwstonEVP/Chief Operating Officer — Florida Capital Bank, N.A.President and CEO — Florida Capital Bank of Central Florida

Over 25 years in banking, including 20 years with Wachovia and five years with SunTrust. Mr. Owston served in various leadership and business development roles.

Arlene KaplanVice President and Branch Manager — Winter Park

Ms. Kaplan has 33 years of banking experience with Wachovia Bank. During her banking career, she has served in personal banking and branch banking roles.

Katie NagelTreasury Generalist & Operations Manager — Orlando & Winter Park

Over 10 years of banking experience, all within the Central Florida market. Ms. Nagel previously served in personal banking and branch management & operational oversight roles.

Peter AllportSenior Vice President and Market Executive

Over 20 years of banking experience with Wachovia Bank, all within the Central Florida market. He has held positions working in the business banking and commercial banking markets in business development and leadership roles.

Ralph BetancourtSenior Vice President and Commercial Banking Executive

Over 20 years of banking experience, all within the Central Florida market. Previously with Wachovia Bank, he worked in both the small business market, as well as with large companies in the middle market segment.

Lesli MarchbanksVice President and Commercial Client Manager

Over 13 years of banking experience, all within the Central Florida market. Previously with Wachovia Bank, Lesli served in both business and retail banking roles.

Pam StevensVice President and Credit Products Officer

Over 15 years of banking experience with SunTrust Bank and Fifth-Third Bank. Her banking career has all been within the Central Florida region and includes experience in the commercial and private banking markets and the credit and underwriting of commercial loans.

Experience Makes It Happen.

Our Most Valuable Asset Is…

Experience

Average 15+ years High-level consultative support

available to all market segments

Accessibility

Available at all times with personal cell phone numbers and e-mail

No call centers or voicemail mazes

Customer Service

Local client service Local support functions

Local Decisions

Credit approval without committees Financials are not sent out-of-state for

underwriting

Relationship Focus

Credit structure tailored to your needs Loan pricing based on the entire

banking relationship Streamlined costs of general

banking services Technology

A newer bank means the latest technology delivered at lower cost

Statewide Presence

Seven markets in Florida Convenience — office ATMs and Presto

network (650 locations statewide)

…value to our clients

Experience Makes It Happen.

Treasury Services

You will value our treasury management capabilities.

Experience Makes It Happen.

Value-Added Services

Experience Makes It Happen.

2009 Year End Financial Fact Sheet As of December 31, 2009, total assets ended at $963 million, increasing $2.8 million, or .3%, compared to

prior year-end. Risk weighted assets declined $123.3 million, or 16%, during 2009 as the Bank executed several de-levering

initiatives. Total gross loans ended at $658.2 million, down $111.5, or 14.5%, compared to prior year-end. Portfolio loans,

excluding loans held for sale, ended at $569.8 million, declining $109.4 million, or 16.1%, during the year. Total deposits ended at $870.4 million, up $13.2 million, or 1.5%, from prior year-end. Retail deposits,

excluding brokered CDs, grew $129.2 million, or 22.7%, during the year. Liquidity remains strong with retail deposits outgrowing portfolio loans by $239 million during the year. The

core loan to deposit ratio, excluding held-for-sale loans and brokered CDs, declined to an all-time low of82% at year-end.

The company remains “well capitalized” under regulatory guidelines with total capital to risk-weighted assetsending the year at 11.03%, up from 10.5% from prior year. Tier 1 capital ended at 6.4%, down from 7.6%at prior year-end. The Company completed a preferred stock offering of $2.7 million during the 2nd quarterof 2009 to existing shareholders.

Asset quality showed continued signs of stabilizing during the 4th quarter. Non-performing loan (NPL) andnon-performing assets balances declined in the 4th quarter and early cycle delinquency (30-89 days)ended the year at 1.44% of loans, down from 2.67% at prior year-end.

Earnings before taxes and provision, totaled $2.4 million in 2009, representing a $6.5 million improvementover prior year excluding one-time charges.

Net revenue, total revenue less interest expense, in 2009 totaled $46.4 million, $15.2 million, or 48.7%, aboveprior year. Non-interest income increased $19.3 million, or 211%, to $28.5 million in 2009 versus prior year.