TIB Financial 8K . Reports First Quarter Results | TIBB 6 May 09

2009 Gulf South Bank
Conference

Thursday, May 7, 2009

Marriott Hotel New Orleans

presented by

Thomas J. Longe

Chairman & Chief Executive Officer

Stephen J. Gilhooly

EVP & Chief Financial Officer

Except for historical information contained herein,

the statements made in this presentation constitute

“forward-looking” statements within the meaning of

Section 27A of the Securities Act of 1933 and

Section 21E of the Securities Exchange Act of 1934.

Such statements involve certain risks and uncertainties,

including statements regarding the Company’s strategic direction,
prospects and future results. Certain factors, including those

outside the Company’s control, may cause actual results to differ
materially from those in the “forward-looking” statements, including
economic and other conditions in the markets in which the

Company operates; risks associated with acquisitions, competition,
seasonality and the other risks discussed in our filings with the
Securities and Exchange Commission, which discussions are
incorporated in this presentation by reference.

TIB Financial Corp.

is the third largest publicly traded

bank holding company

in Florida.

(NASDAQ: TIBB)

Subsidiaries

28 Locations

9 - Florida Keys

2 - Homestead

3 - Collier County

9 - Lee County

5 - Sarasota County

Company Overview

• One of the oldest community banks in Florida;
established in 1974 in Islamorada.

• Founded on the principle of providing exceptional
attention to the needs of our customers.

• Headquartered in Naples, Florida, with $1.8 billion
in total assets.

• Now operates in 28 locations in 5 Florida counties
with ~ 60,000 customers and 125,000 accounts.

• Our Banks are “strongly-capitalized,” safe, and
sound.

• Our focus is on quality service to locally-based
businesses, individuals, and families.

Strategic Positioning

• We are managing the company over a 5-10
year horizon to be the premier community
banking institution in all of our markets.

• Focus on middle market commercial banking

– Owner-operated commercial real estate

– Financing operating business

– Underwriting based on cash flow

• Investing to diversify our revenue sources

• Optimizing our organic opportunities and
enhancing financial performance.

Significant Achievements

• Assumed $317 million of deposits and operations of
nine offices of the Riverside Bank of the Gulf Coast.
Significantly enhanced our market presence in Ft.
Myers, Venice and provided a strong entrance into the
contiguous Cape Coral market.

• Received $37 million of perpetual preferred stock
investment by the U.S. Treasury Department’s Capital
Purchase Program.

• Strategic Partnership - raised $10.1 million from two
leading Florida families and their related business
interests.

• Acquired Naples Capital Advisors - now provide Wealth
Management Services through NCA, TIB Private Bank
and TIB Trust.

Riverside Bank Deposit Acquisition

As of 3/31/2009

Retention = 97%

($ in millions)

Loan Composition - $1,219M

($ in millions)

Composition of
Commercial Real Estate Loans

As of 3/31/2009

($ in millions)

Composition of
Construction & Development Loans

As of 3/31/2009

($ in millions)

Non-Performing Loans

($ in thousands)

As of 3/31/2009

Non-Performing Assets

($ in millions)

As of 3/31/2009

Excludes activity in indirect auto and consumer loans.

Summary

§ Diversified loan portfolio by borrower and collateral type

§ Commercial Real Estate: Debt service coverage and cash flow
underwriting discipline. Collateral, value and guarantors are secondary
sources of repayment

§ Closely monitor the commercial and construction and development
loans, borrowers and properties on a monthly and quarterly basis, for
changes in financial condition and risk

§ Residential loan portfolio is a seasoned portfolio with the exception of
the recent growth of the portfolio

§ Loan loss reserve of $25.5 million or 2.09% of loans.

Future Prospects

Challenges

• Recovery of our markets

• Improve NIM

• Contain costs

• Manage for profitable,
disciplined growth

• Aggressively addressing
non-performing assets

Opportunities

• Optimize our strong franchise

• Use disruption and weaker
competitive environment to
increase market share

• Benefit as an employer of
choice

TIB Financial (TIBB) Inactive 8-KTib Financial Corp. Reports First Quarter Results