TIB Financial (TIBB) 8-K Other Events

TIBB - FBR Capital Markets

Dec ‘08 #2

Forward Looking Statement

This presentation contains certain forward-looking statements including
those concerning the banking industry and the company’s operations,
performance, financial condition, and growth.For this purpose, any
statements contained in the presentation, that are notstatements of
historical facts may be deemed to be forward-looking statements.

 Without limiting the generality of the foregoing words such as “may”,

 “will,” “expect,” “believe,” “anticipate,” “intend,” “could,” “should,” “can,”
“estimate,” or “continue,” of the negative or other variations thereof or
comparable terminology are intended to identify forward-looking
statements.These statements by their nature involve substantial risks
and uncertainties, certain of which are beyond the company’s control,

 andactual results may differ materially depending on a variety of

 important factors, including competition, general economic conditions,

 potential changes in interest rates, and changes in the value of real

 estate securing loans made by the company, among other things.

TIBB - FBR Capital Markets

Dec ‘08 #3

3rd Largest Florida Independent; Largest Publicly Traded

Community Bank Headquartered in Southwest Florida

Founded 1974; HQ in Naples; $1.56B Assets; 20 Branches

10.7% Total Risk Based Capital; 7.6% Leverage Ratio;

TIB Bank and The Bank of Venice are also well-capitalized

Corporate Vision

We are managing the company over a 5 - 10 year horizon

to be the premier community banking institution
in all of our markets

Corporate Profile

Key West

TIB Branches

BOV Branches

Franchise

TIBB - FBR Capital Markets

Dec ‘08 #5

Strategic Positioning

We focus on middle market commercial banking

Owner-operated commercial real estate

Financing operating businesses

Underwriting based on cash flow

We are investing to diversity our revenue sources

We are optimizing our organic opportunities and
enhancing financial performance

Strategic Positioning
Makes Us Different

TIBB - FBR Capital Markets

Dec ‘08 #6

as of 9/30/2008

($ in millions)

Loan Composition

$1,226M

TIBB - FBR Capital Markets

Dec ‘08 #7

as of 9/30/2008

($ in millions)

CRE Loans by Collateral Type

$666.3M

TIBB - FBR Capital Markets

Dec ‘08 #8

as of 9/30/2008

($ in millions)

Construction & Development

Loan Analysis

$155.5M

TIBB - FBR Capital Markets

Dec ‘08 #9

	September 30, 2008			June 30, 2008
Loan Type	# of Loans	Outstanding Balance	% of Loans	# of Loans	Outstanding Balance	% of Loans
Residential	24	$4,639	2.4%	27	$5,207	2.9%
Commercial and agricultural	1	236	.36%	3	331	.49%
Commercial real estate	11	6,822	1.02%	5	1,532	.24%
Residential land development	-	-		-	-
Commercial land development	3	13,616	8.8%	4	13,954	8.9%
Participations in residential loan pools	-	-		-	-
Government guaranteed loan	2	349	.53%	1	343	.51%
Indirect auto and consumer loans	108	1,323	1.29%	95	1,234	1.1%
Total	149	$26,985	2.2%	135	$22,601	1.9%

($ in thousands)

As of 9/30/2008

Non-Performing Loans

TIBB - FBR Capital Markets

Dec ‘08 #10

As of 9/30/2008

Non-Performing Assets

Nonaccrual Loan Activity
Nonaccrual loans at June 30, 2008	$21,367
Loans returned to accrual	(201)
Principal paid down on nonaccrual loans	(490)
Charge-offs	(629)
Loans foreclosed	(377)
Loans placed on nonaccrual	5,992
Nonaccrual loans at September 30, 2008	$25,662

OREOActivity
OREO as of June 30, 2008	$5,037
Real estate foreclosures	377
Other increases	-
Write-down of value	(326)
Property sold	(440)
OREO at September 30, 2008	$4,648

TIBB - FBR Capital Markets

Dec ‘08 #11

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

No significant delinquency beyond the current non accrual loans. Problem assets are
manageable.

Loan loss reserve of $18 million or 1.47% of loans.

TIBB - FBR Capital Markets

Dec ‘08 #12

Acquired The Bank of Venice

Acquired Naples Capital Advisors

TIB Bank Enhancements(Private Banking & Trust)

Containment of Indirect Auto Loan Problems

Strategic Capital Investment From Two

Leading Florida Families & Their Companies

Recent Initiatives to Diversify Revenue,
Improve Organic Growth and Profitability