BISCAYNE BANK
COCONUT GROVE, FLORIDA

Biscayne Bank is a strong and stable community bank with a big commitment to personal service. Our individual, family and business customers appreciate our convenient online, phone and in-person service, competitive rates and wide array of savings, investment and loan products designed to meet your financial needs. Since opening our doors in 2005, Biscayne Bank has focused on building a solid base of loyal customers who recommend our unique brand of personal service to their families, friends, neighbors and business associates. Our professional banking team serves the diverse population of South Florida, including residents of Caribbean and Latin American countries who maintain investments and second homes in our region. Today, Biscayne Bank is a growing state-chartered full-service commercial bank with offices in Coconut Grove, Bayshore, Doral and South Miami. We are supervised and insured by the Federal Deposit Insurance Corporation, providing peace of mind to our valued customers. Biscayne Bank Releases Second-Quarter Earnings August 2015- Biscayne Bank released its second-quarter earnings results Tuesday, reporting net income up 32 percent year-over-year. Read more here: http://www.miamiherald.com/news/business/banking/article29971908.html#storylink=cpy Read more here: http://www.miamiherald.com/news/business/banking/article29971908.html#storylink=cpy SNL Financial: Miami's Biscayne Bank Tops National Community Banks March 2015- South Florida Business Journal- Coconut Grove-based Biscayne Bank came in second among U.S. banks with $500 million to $5 billion in assets in 2014, according to rankings released Monday by Virginia-based SNL Financial. Biscayne Bank followed Dallas-based State Bank of Texas, which made the list for the first time. Coming third was Saint Martinville, La.-based St. Martin Bank and Trust. The Coconut Grove financial institution had $505.5 million in total assets as of Dec. 31, making it the 18th-largest South Florida-based banks in terms of assets at that time. The bank grew its assets by nearly $168 million in 2014, according to Federal Deposit Insurance Corp. data. Biscayne Bank experienced significant loan growth in 2014, increasing net loans and leases by over $139 million to $435.4 million as of Dec. 31. To make the financial information firm�s list, a third of the bank�s balance sheet must be composed of loans and less than half of the loans can be from credit card lending. Lastly, the bank had to have been �well-capitalized� in 2014 according to regulatory standards. Biscayne Bank placed 48th last year in the smaller category. This year, it was the only Florida-based bank to make either list. Six metrics were used to rank the banks, including return on average tangible assets before tax, net charge-off ratios, adjusted Texas ratio, efficiency ratio, net interest margin and loan growth. �What we can hope for and what we can try to achieve is to maintain good performance,� Lumpkin said. �Whether it�s two or 48th or 100th place or anywhere in between, it�s a matter of hard work and good fortune.� Biscayne Bank Grows Loans by $54M, Opens Fourth Branch February 2015- South Florida Business Journal- Coconut Grove-based Biscayne Bank grew loans by $54 million in the fourth quarter of 2014 to $435.4 million, up from $381.5 million in the third quarter and $296.4 million in the fourth quarter of 2013. That's reflects a 15 percent increase in loans over the fourth quarter and 47 percent increase year over year. "Our feeling is that 2015 growth will [be] moderate because of the effect of the stronger dollar on foreign real estate investment in South Florida, but we are expecting another good year nonetheless," Yarchin said. Biscayne Bank was ranked 22nd among South Florida-based banks in terms of assets as of Sept. 30. Biscayne Bank Names Philip J. Shechter to Board of Directors has been named to the Board of Directors of Biscayne Bank, a dynamic South Florida community bank.  He now serves on the bank's Audit and Asset-Liability (ALCO) Committees. Recognized nationally as an accounting expert witness, Shechter has more than 30 years of experience in audit, tax consulting, business valuation services, commercial litigation and marital dispute resolution cases.  He has been qualified as a forensic accountant and business valuation expert more than 500 times in state and federal courts. Biscayne Bank is a state-chartered full-service commercial bank that has been serving South Florida since 2005.  The bank's mission is simple: "To be your partner in financial success. "With offices in Coconut Grove, Doral and South Miami, Biscayne Bank delivers highly personalized services to individuals, families and businesses in the region, and to international customers with interests in South Florida. For more information, visit www.biscaynebank.com. Biscayne Bank Now Offers Remote Deposits for Business Checking Accounts Biscayne Bank now offers remote deposit electronic check processing for business customers. "This convenient service is another example of our banking team's commitment to the South Florida business community," said Ana L. Dominguez, EVP and Chief Lending Officer of the dynamic Miami bank, whose headquarters is in Coconut Grove with offices in Doral and South Miami. Biscayne Bank's remote deposit service allows business customers to process multiple checks in their offices, and scan those images using a device provided by the bank. Simply click the "deposit" button and those digital images are uploaded to the bank's secure website. An email confirmation is sent within a few minutes. The benefits of Biscayne Bank's remote deposit system include: Streamlined operations. Business customers can consolidate their regional, national or international deposits to a single account, reducing deposit collection costs. Biscayne Bank is a state-chartered full-service commercial bank that has been serving South Florida since 2005. The bank's mission is simple: "To be your partner in financial success." With offices in Coconut Grove, Doral and South Miami, Biscayne Bank delivers highly personalized services to individuals, families and businesses in the region, and to international customers with interests in South Florida. For more information, visit www.biscaynebank.com.