We are a financial holding company whose business is conducted primarily through our wholly-owned subsidiary, TIB Bank. TIB Bank, which was formed in 1974, serves the Southern Florida market, principally Monroe, Collier, Lee and South Miami-Dade Counties, Florida. TIB Bank is headquartered in Key Largo, Florida. We operate 16 banking offices and 17 ATMs throughout South Florida. At December 31, 2004, we had approximately $829.3 million in total assets, $687.9 million in total deposits, $653.5 million in total loans and shareholders’ equity of $68.1 million. TIB Bank’s deposits are insured by the Federal Deposit Insurance Corporation, up to applicable limits. Through our subsidiaries, we offer a wide range of commercial and retail banking and financial services to businesses and individuals. Our account services include checking, interest-bearing checking, money market, savings, certificates of deposit and individual retirement accounts.  g   

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