Sunshine Bancorp's Customers Performance

We conduct our operations from our main office and eleven full-service banking offices located in Hillsborough, Pasco, Polk, Manatee, and Orange County, Florida. Our primary deposit market includes the areas surrounding our banking offices in Hillsborough, Pasco, Polk, Sarasota, and Manatee Counties, Florida. Our primary lending market includes Hillsborough, Pasco, Polk, Sarasota, Manatee, and Orange Counties and the surrounding communities. We occasionally make loans secured by properties located outside of our primary lending market, usually to borrowers with whom we have an existing relationship and who have a presence within our primary market. Our primary markets in Central Florida are primarily suburban and rural and contain a diverse cross section of economic sectors, with a mix of retail, agriculture, services, health care facilities and vacation and retirement communities.

Sunshine Bank continues to pursue a three year plan that focuses on organic and strategic growth in the market area from Sarasota north on Interstate 75 to Tampa and then East on Interstate 4 to Orlando. We manage our banking operations as separate regions. Regions are based on geographic market, which allows each region to retain flexibility and local leadership in the unique communities we serve. We believe that this approach differentiates us from other large competitors because it gives our bank greater flexibility to better serve our markets and increase responsiveness to the needs of local customers.