Special Meeting of

Shareholders
Wednesday, September 23, 2009
Marriott Key Largo

presented by

Thomas J. Longe
Vice Chairman, Chief Executive Officer & President
TIB Financial Corp.
 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.

2
 TIB Financial Corp.
is the third largest publicly traded
bank holding company
in Florida.
(NASDAQ: TIBB)

Subsidiaries

3
 Economic Conditions
Median Home Value

Unemployment Rate

Source: US Census Bureau, American Fact Finder.

National Association of Realtors

Source: Bureau of Labor Statistics

4
 Economic Conditions
GDP Annualized Growth Rate

Personal Consumption
Annualized Growth Rate Source: Bureau of Economic Analysis

Source: Bureau of Economic Analysis

5
 Economic Conditions
Stock Market Wealth
($8 trillion loss from peak)

Consumer
Sentiment
Source: WSJ

Source: University of Michigan

6
 Economic Conditions
Prime Rate

Source: WSJ

7
 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.
• We are “well-capitalized,” safe, and sound.
• Our focus is on quality service to locally-based
businesses, individuals, and families.

8
 Current Franchise
Overview
• 3rd Largest Publically Traded Bank Holding
Company Headquartered in the State of
Florida.
• Largest community bank in the Florida
Keys, Cape Coral, and Venice.
• 24% of market share in the Florida Keys.
• Increasing market share and presence in
Southwest Florida.
• 28 Locations.
• Florida Keys (9)
• Homestead (2)
• Collier County (3)
• Lee County (9)
• Sarasota County (5)

9
 Financial Highlights
($ in millions)

$2,100
Net Income Asset 1,797.1
$15 36%
$10 7.2
9.2
$1,800
Growth 1,610.1

1,444.7
4.7 5.1 5.2 $1,500
1,319.1
$5
-2.4 -21.1 -4.2 -4.9
$1,200 1,076.1
$0
829.3
-$5 $900
669.3
567.1
-$10 $600 494.1
439.3
392.1
-$15
$300
-$20 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Q2 2009

-$25
2002 2003 2004 2005 2006 2007 2008 Q1 2009 Q2 2009
$1,500 1,394.8
35%
Deposit
$1,200
Growth
1,135.7
$1,400 16%
Loan 1,223.3
1,238.4
920.4
1,029.5 1,050.0

$1,200
Growth
1,127.7
1,063.9 $900

$1,000 687.9
882.4
553.8
$600
$800 482.7
653.5 392.4 415.7
346.9
$600 538.6
$300
441.7 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Q2 2009
379.1
$400
290.6 315.6 As of 06/30/2009

$200
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Q2 2009

10
 Strategic Positioning
• To maximize shareholder value, we are managing the
company over a 5-10 year horizon to be the premier
community banking institution in all of our markets.
• Focusing on middle market commercial banking.
– Owner-operated commercial real estate.
– Financing operating business.
– Underwriting based on cash flow.
• Investing to diversify our revenue sources.
• Expanding our portfolio of products and services to serve
our affluent markets.
• Optimizing our organic opportunities and enhancing
financial performance.

11
 Y-T-D Q2 ‘09 Performance

12
 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.

13
 Significant Developments
• Acquired Naples Capital Advisors and now provide Wealth Management
Services Private Banking and Trust Services.
• Completed a state-of-the-art data center delivering bank and technical
services to our customers and employees typically not found at a bank
of our size.
• Strategic Partnership – raised $10.1 million from two leading Florida
families and their related business interests.
• Received $37 million of perpetual preferred stock investment by the
U.S. Treasury Department’s Capital Purchase Program.
• Assumed $317 million of deposits and operations of nine Riverside Bank
of the Gulf Coast offices. Significantly enhanced our market presence in
Ft. Myers and Venice and provided a strong entrance into the contiguous
Cape Coral market. As of August 31, 2009, 88.8% of those deposits have
been retained.

14
 Significant Developments
• Implemented a 3-year training program to improve TIB’s sales culture.
• Entered a memorandum of understanding with regulators on July 2,
2009, agreeing to move in good faith to raise its capital ratios to the
higher levels by Dec. 31, 2009. TIB Bank’s Tier 1 leverage capital ratio
was 6.5 percent and its total risk-based capital ratio was 10 percent.
• Integrated Bank of Venice in September 2009, providing synergy,
renewed marketing focus and economies of scale to the organization.

15
 Peer Comparison as of 6/30/09

Non-Performing Loans Non-Performing Assets

Percentages represent company’s non-performing loans to total loans. Percentages represent company’s non-performing assets to total assets.

Orion - Orion Bancorp

BOFL - Bank of Florida Corporation
FLRB - Florida Community
CCBG - Capital City Bank Group
SBCF - Seacoast Banking Corp Florida
CSFL - Center State Banks of Florida
TIBB - TIB Financial Corp

16
 Peer Comparison
as of 6/30/09

17
 Common Stock Proposal
ƒ To increase authorized shares from 40,000,000 shares
to 100,000,000 shares to facilitate the Company’s
ability to raise additional capital and for other corporate
purposes, which will allow us to fulfill a requirement of
the MOU.

18
 Capital Raise Description
Target Capital Raise: $50-70 million

19
 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.

20
 Key Future Objectives
• Improve our operating performance and efficiency through the merger of
The Bank of Venice into TIB Bank, reduce leased office space utilized by
operations personnel and continually improve our operating expense
management.
• Adhere to safe and sound credit standards to maintain the quality of assets
as we continue to execute our growth strategy.
• Improve our asset quality and reduce the level of non-performing assets
through continued close monitoring of the loan portfolio and collection and
resolution efforts for non-performing assets.
• Maintain a strong core deposit base to provide funding for lending and on
balance sheet liquidity to respond to potential market disruption and
volatility.
• Continue to reduce our exposure to construction and land development
loans.

21
 Key Future Objectives
• Increase our net interest income and net interest margin through
disciplined loan and deposit pricing, focusing on the generation of new
relationship based loans and deposits, enhance our generation of lower
cost transaction accounts, utilize the Riverside deposits to fund new loans
and maintain effective interest rate risk management.
• Continue to expand and diversify non-interest income revenue sources
through the expansion and continued development of private banking,
wealth management and Naples Capital Advisors, Inc.
• Enhance our market presence and market share in our existing
Southwest Florida markets through business development and marketing
and opportunistic expansion through new offices or acquisition.
• Originate consumer loans principally on a direct basis to consumers with
prime credit to diversify our sources of loans and revenue, enhance our
interest margin and continue to deemphasize the origination of auto
loans on an indirect basis through auto dealers.

22
23