4790 140th Avenue NorthClearwater, FL 33762

usameribank.com

Aliant Bank, a division of USAmeriBank, has corporate offices in Birmingham and Alexander City, Alabama. Started in 1900, the bank operates 15 offices in Tallapoosa, Jefferson, Lee, Montgomery, Elmore, Shelby, and St. Clair counties of Alabama. Aliant offers a complete line of banking and other related financial services to commercial, retail and real estate customers. For more information, visit the company website located at www.aliantbank.com.

USAmeriBank is an independent, non-public bank based in Clearwater, Fla. that has established itself as an outstanding middle-market financial institution. The bank, with 12 offices in Hillsborough and Pinellas counties of Florida, serves the needs of individuals and businesses in the Tampa Bay area by providing a high-level of personalized service and attention to a targeted customer base. USAmeriBank’s parent company is USAmeriBancorp, Inc. More information is available at www.usameribank.com.

Locations:Hillsborough County Pinellas CountyBrandon 4th Street (St. Petersburg)Carrollwood 49th Street (Clearwater)Downtown Tampa BelleairSouth Tampa ClearwaterWestshore East Bay (Largo)Ybor City Tarpon Springs

Locations:Birmingham Region Montgomery RegionAlabaster AuburnBirmingham Meadow Brook MillbrookCrestline Montgomery DowntownGardendale Montgomery EastmontPell City Montgomery Festival Plaza

Montgomery Zelda RoadTallapoosa Region WetumpkaAlexander City Mill SquareDadeville

Banking on ValuesThe success of USAmeriBank and Aliant Bank depends on how well we serve

our customers. Here are two examples of business owners who are working

with us as they grow, thanks to relationships that go far beyond loans.

With multiple restaurant locations thriving in Clearwater and St. Petersburg, Baystar Restaurant Group decided to further its success with the help of USAmeriBank.

“USAmeriBank values consistent communication and are available to make a decision today instead of waiting until tomorrow,” says Frank Chivas, owner of Baystar, which owns such restaurants as Salt Rock Grill and Rumba Island Grill.

Now, Chivas is working on restoring and renovating the Clearwater city marina for a new restaurant called Marina Cantina Tequila Bar and Grille, with USAmeriBank’s financial assistance.

“As a local restaurant, we depend on the community and focus on making a valuable contribution, and USAmeriBank is the same way,” says Chivas. “They understand the area and offer insights that are specific to our company’s needs.”

Since starting business with a single dump truck in 1984, Chilton Contractors has become one of the leading contractors in central Alabama. To continue the company’s growth, Chilton looked

to Aliant Bank for financing their operational and equipment needs.

“Aliant understands construction finance better than any representative that I’ve ever talked to,” says Allen Payton, owner of Chilton Contractors, which specializes in handling earthwork and utilities for residential, commercial and highway projects.

As a family owned and operated business, Chilton values open communication, which is reflected in Aliant’s customer service.

“In the year we’ve worked with Aliant, they’ve shown that they’re committed to helping our company and providing services that best fit our needs,” says Payton. “We look forward to strengthening and continuing our relationship in the future.”

Frank ChivasOwnerBaystar Restaurant GroupClearwater/St. Petersburg, Fla.

Allen PaytonOwner Chilton ContractorsJemison, Ala.

Second Quarter 2014Financial Highlights

usam

erib

ank.

com

Q2 14 SHC cs6.indd 1 7/30/14 8:36 AM

Q2 2014 Financial Highlights

Page 1

The second quarter of 2014 marked another period of sound performance for USAmeriBancorp, Inc.

Consolidated core net income available to common shareholders for the second quarter of 2014 was $7.2 million, down from $9.2 million in the year-ago period. The Company’s results of operations for the second quarter produced an annualized return on average assets of 1.04% and an annualized return on average common equity of 13.29%, compared to year-ago ratios of 1.45% and 19.77%, respectively. On a diluted per common share basis, earnings for the second quarter were $0.74, compared to $0.96 in the second quarter of 2013.

In comparing year-over-year performance, it’s useful to note that the second quarter 2013 results included a $0.12 lift in earnings per common share as a result of a $1.9 million negative provision for loan loss. Meanwhile, fi nancial results for the second quarter of 2014 were negatively impacted by a slowdown in mortgage banking income and lower gains on the sale of SBA loans. While we do not believe mortgage banking income will return to previous cyclical highs, we are optimistic about the high level of activity in the SBA line of business. Book value grew by 17% to $22.86, compared to $19.60 in second quarter 2013. And USAmeriBancorp’s asset quality remains high. In measuring our asset quality at the end of the second quarter, the ratio of non-performing assets to total loans stood at 1.60%, compared to 1.73% in the year-ago period.

On a bittersweet note, Brad McMurtrey, who has played a key role in our growth, has moved from his former role as President to a role as a Managing Director. From being part of the group that launched the bank, to implementing and supervising the systems that fuel our quality performance, Brad’s contributions have been invaluable.

We are pleased to announce the company has hired a new Chief Operating Offi cer, Kade Peterson, who joined us in July. Kade brings signifi cant high-level experience, particularly in the operations and technology areas, from his previous role as Executive Vice President of Operations & Technology for Sterling Bank in Spokane, Wash. This move allows longtime bank leader Tina Ford to focus on her growing human resources responsibilities in her new role as Executive Vice President and Director of Human Resources.

Dear Fellow Shareholders,

In Alabama, meanwhile, Aliant Bank has also made a number of signifi cant hires. In a particularly notable addition, Samuel Henderson III has joined the bank as Senior Vice President, Alabama Commercial & Industrial Manager and Birmingham Area Executive. Sam brings 25 years of experience in the banking industry and extensive knowledge of the Birmingham market. Most recently, he was Senior Vice President of Correspondent Banking at the Sterne Agee brokerage fi rm. Having highly experienced, quality people at all levels of our organization will continue to be a diff erentiator for USAmeriBancorp, because their skills give us the ability to provide meaningful value for our business and personal banking customers. And providing this value is a key to our success.

As the economy continues to pick up in both Florida and Alabama, we are seeing more and more opportunities to help our customers grow their businesses and meet their fi nancial goals, both in their professional and personal lives. We are extremely thankful for your support, and as always, we welcome your questions or comments.

Jennifer W. Steans Joseph V. Chillura

Chairman of the Board President & Chief Executive O� cer

(Dollars in thousands)

06/30/14 06/30/13INCOME DATA Net interest income $25,591 $24,491Provision for credit losses (88) 1,862 Non-interest income 3,206 5,272 Non-interest expense (15,663) (15,306)Income tax expense (4,931) (6,049)Net income from continuing operations 8,115 10,270Net income from CCF&N discontinued operations - 146Net Income $8,115 $10,416

Pre-tax pre-provision operating earnings $13,134 $14,603

PERIOD-END BALANCE SHEET DATA Loans, net $2,364,843 $2,117,938 Loans held for sale 2,412 11,878Securities 352,121 310,015 Earning assets 2,804,149 2,508,928 Total assets 2,985,186 2,705,114 Non-interest-bearing deposits 608,181 513,638Total deposits 2,455,327 2,308,607 Shareholders’ equity 275,391 241,596

RATIOS Net interest margin 3.68% 3.97% Effi ciency ratio from continuing operations 54.39% 51.43%Allowance for loan losses to loans excluding loans held for sale 1.06% 1.21%Non-performing assets to total loans 1.58% 1.73% Tier 1 capital (to average assets) 8.78% 8.16% Risk-based capital 11.69% 10.86%

(Dollars in thousands,except per share amounts)

06/30/14 06/30/13INCOME DATA Net interest income $24,977 $23,667Provision for credit losses (88) (1,862) Non-interest income 3,206 5,272Non-interest expense (15,759) (15,437)Income tax expense (4,657) (5,681)Net income from continuing operations 7,679 9,683Net income from CCF&N discontinued operations - 146Net Income $7,679 $9,829

Net income to common shareholders $7,176 $9,326Net income to common shareholders from core operations 7,176 9,180Pre-tax pre-provision operating earnings 12,424 13,785Pre-tax pre-provision core operating earnings 12,424 13,502

PERIOD-END BALANCE SHEET DATA Loans, net $2,365,025 $2,118,117 Loans held for sale 2,412 11,878Securities 352,229 310,100 Earning assets 2,804,646 2,509,398 Total assets 2,987,480 2,707,300 Non-interest-bearing deposits 598,579 509,109Total deposits 2,445,725 2,304,078 Shareholders’ equity 242,821 209,444

COMMON SHARE DATA Earnings per share: Basic $0.75 $0.97 Diluted $0.74 $0.96 Book value per common share $22.86 $19.60Tangible book value per common share $21.30 $16.73

RATIOS Return on average assets 1.04% 1.45%Return on average common equity 13.29% 19.77%Net interest margin 3.59% 3.84% Effi ciency ratio from continuing operations 55.92% 53.34%Allowance for loan losses to loans 1.06% 1.21% Non-performing assets to total loans 1.60% 1.73% Tier 1 capital (to average assets) 8.18% 7.50% Risk-based capital 11.57% 11.29%

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Q2 14 SHC cs6.indd 2 7/30/14 8:36 AM

Q2 2014 Financial Highlights

Page 2

The second quarter of 2014 marked another period of sound performance for USAmeriBancorp, Inc.

Consolidated core net income available to common shareholders for the second quarter of 2014 was $7.2 million, down from $9.2 million in the year-ago period. The Company’s results of operations for the second quarter produced an annualized return on average assets of 1.04% and an annualized return on average common equity of 13.29%, compared to year-ago ratios of 1.45% and 19.77%, respectively. On a diluted per common share basis, earnings for the second quarter were $0.74, compared to $0.96 in the second quarter of 2013.

In comparing year-over-year performance, it’s useful to note that the second quarter 2013 results included a $0.12 lift in earnings per common share as a result of a $1.9 million negative provision for loan loss. Meanwhile, fi nancial results for the second quarter of 2014 were negatively impacted by a slowdown in mortgage banking income and lower gains on the sale of SBA loans. While we do not believe mortgage banking income will return to previous cyclical highs, we are optimistic about the high level of activity in the SBA line of business. Book value grew by 17% to $22.86, compared to $19.60 in second quarter 2013. And USAmeriBancorp’s asset quality remains high. In measuring our asset quality at the end of the second quarter, the ratio of non-performing assets to total loans stood at 1.60%, compared to 1.73% in the year-ago period.

On a bittersweet note, Brad McMurtrey, who has played a key role in our growth, has moved from his former role as President to a role as a Managing Director. From being part of the group that launched the bank, to implementing and supervising the systems that fuel our quality performance, Brad’s contributions have been invaluable.

We are pleased to announce the company has hired a new Chief Operating Offi cer, Kade Peterson, who joined us in July. Kade brings signifi cant high-level experience, particularly in the operations and technology areas, from his previous role as Executive Vice President of Operations & Technology for Sterling Bank in Spokane, Wash. This move allows longtime bank leader Tina Ford to focus on her growing human resources responsibilities in her new role as Executive Vice President and Director of Human Resources.

Dear Fellow Shareholders,

In Alabama, meanwhile, Aliant Bank has also made a number of signifi cant hires. In a particularly notable addition, Samuel Henderson III has joined the bank as Senior Vice President, Alabama Commercial & Industrial Manager and Birmingham Area Executive. Sam brings 25 years of experience in the banking industry and extensive knowledge of the Birmingham market. Most recently, he was Senior Vice President of Correspondent Banking at the Sterne Agee brokerage fi rm. Having highly experienced, quality people at all levels of our organization will continue to be a diff erentiator for USAmeriBancorp, because their skills give us the ability to provide meaningful value for our business and personal banking customers. And providing this value is a key to our success.

As the economy continues to pick up in both Florida and Alabama, we are seeing more and more opportunities to help our customers grow their businesses and meet their fi nancial goals, both in their professional and personal lives. We are extremely thankful for your support, and as always, we welcome your questions or comments.

Jennifer W. Steans Joseph V. Chillura

Chairman of the Board President & Chief Executive O� cer

(Dollars in thousands)

06/30/14 06/30/13INCOME DATA Net interest income $25,591 $24,491Provision for credit losses (88) 1,862 Non-interest income 3,206 5,272 Non-interest expense (15,663) (15,306)Income tax expense (4,931) (6,049)Net income from continuing operations 8,115 10,270Net income from CCF&N discontinued operations - 146Net Income $8,115 $10,416

Pre-tax pre-provision operating earnings $13,134 $14,603

PERIOD-END BALANCE SHEET DATA Loans, net $2,364,843 $2,117,938 Loans held for sale 2,412 11,878Securities 352,121 310,015 Earning assets 2,804,149 2,508,928 Total assets 2,985,186 2,705,114 Non-interest-bearing deposits 608,181 513,638Total deposits 2,455,327 2,308,607 Shareholders’ equity 275,391 241,596

RATIOS Net interest margin 3.68% 3.97% Effi ciency ratio from continuing operations 54.39% 51.43%Allowance for loan losses to loans excluding loans held for sale 1.06% 1.21%Non-performing assets to total loans 1.58% 1.73% Tier 1 capital (to average assets) 8.78% 8.16% Risk-based capital 11.69% 10.86%

(Dollars in thousands,except per share amounts)

06/30/14 06/30/13INCOME DATA Net interest income $24,977 $23,667Provision for credit losses (88) (1,862) Non-interest income 3,206 5,272Non-interest expense (15,759) (15,437)Income tax expense (4,657) (5,681)Net income from continuing operations 7,679 9,683Net income from CCF&N discontinued operations - 146Net Income $7,679 $9,829

Net income to common shareholders $7,176 $9,326Net income to common shareholders from core operations 7,176 9,180Pre-tax pre-provision operating earnings 12,424 13,785Pre-tax pre-provision core operating earnings 12,424 13,502

PERIOD-END BALANCE SHEET DATA Loans, net $2,365,025 $2,118,117 Loans held for sale 2,412 11,878Securities 352,229 310,100 Earning assets 2,804,646 2,509,398 Total assets 2,987,480 2,707,300 Non-interest-bearing deposits 598,579 509,109Total deposits 2,445,725 2,304,078 Shareholders’ equity 242,821 209,444

COMMON SHARE DATA Earnings per share: Basic $0.75 $0.97 Diluted $0.74 $0.96 Book value per common share $22.86 $19.60Tangible book value per common share $21.30 $16.73

RATIOS Return on average assets 1.04% 1.45%Return on average common equity 13.29% 19.77%Net interest margin 3.59% 3.84% Effi ciency ratio from continuing operations 55.92% 53.34%Allowance for loan losses to loans 1.06% 1.21% Non-performing assets to total loans 1.60% 1.73% Tier 1 capital (to average assets) 8.18% 7.50% Risk-based capital 11.57% 11.29%

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Q2 14 SHC cs6.indd 2 7/30/14 8:36 AM

Q2 2014 Financial Highlights

Page 3

The second quarter of 2014 marked another period of sound performance for USAmeriBancorp, Inc.

Consolidated core net income available to common shareholders for the second quarter of 2014 was $7.2 million, down from $9.2 million in the year-ago period. The Company’s results of operations for the second quarter produced an annualized return on average assets of 1.04% and an annualized return on average common equity of 13.29%, compared to year-ago ratios of 1.45% and 19.77%, respectively. On a diluted per common share basis, earnings for the second quarter were $0.74, compared to $0.96 in the second quarter of 2013.

In comparing year-over-year performance, it’s useful to note that the second quarter 2013 results included a $0.12 lift in earnings per common share as a result of a $1.9 million negative provision for loan loss. Meanwhile, fi nancial results for the second quarter of 2014 were negatively impacted by a slowdown in mortgage banking income and lower gains on the sale of SBA loans. While we do not believe mortgage banking income will return to previous cyclical highs, we are optimistic about the high level of activity in the SBA line of business. Book value grew by 17% to $22.86, compared to $19.60 in second quarter 2013. And USAmeriBancorp’s asset quality remains high. In measuring our asset quality at the end of the second quarter, the ratio of non-performing assets to total loans stood at 1.60%, compared to 1.73% in the year-ago period.

On a bittersweet note, Brad McMurtrey, who has played a key role in our growth, has moved from his former role as President to a role as a Managing Director. From being part of the group that launched the bank, to implementing and supervising the systems that fuel our quality performance, Brad’s contributions have been invaluable.

We are pleased to announce the company has hired a new Chief Operating Offi cer, Kade Peterson, who joined us in July. Kade brings signifi cant high-level experience, particularly in the operations and technology areas, from his previous role as Executive Vice President of Operations & Technology for Sterling Bank in Spokane, Wash. This move allows longtime bank leader Tina Ford to focus on her growing human resources responsibilities in her new role as Executive Vice President and Director of Human Resources.

Dear Fellow Shareholders,

In Alabama, meanwhile, Aliant Bank has also made a number of signifi cant hires. In a particularly notable addition, Samuel Henderson III has joined the bank as Senior Vice President, Alabama Commercial & Industrial Manager and Birmingham Area Executive. Sam brings 25 years of experience in the banking industry and extensive knowledge of the Birmingham market. Most recently, he was Senior Vice President of Correspondent Banking at the Sterne Agee brokerage fi rm. Having highly experienced, quality people at all levels of our organization will continue to be a diff erentiator for USAmeriBancorp, because their skills give us the ability to provide meaningful value for our business and personal banking customers. And providing this value is a key to our success.

As the economy continues to pick up in both Florida and Alabama, we are seeing more and more opportunities to help our customers grow their businesses and meet their fi nancial goals, both in their professional and personal lives. We are extremely thankful for your support, and as always, we welcome your questions or comments.

Jennifer W. Steans Joseph V. Chillura

Chairman of the Board President & Chief Executive O� cer

(Dollars in thousands)

06/30/14 06/30/13INCOME DATA Net interest income $25,591 $24,491Provision for credit losses (88) 1,862 Non-interest income 3,206 5,272 Non-interest expense (15,663) (15,306)Income tax expense (4,931) (6,049)Net income from continuing operations 8,115 10,270Net income from CCF&N discontinued operations - 146Net Income $8,115 $10,416

Pre-tax pre-provision operating earnings $13,134 $14,603

PERIOD-END BALANCE SHEET DATA Loans, net $2,364,843 $2,117,938 Loans held for sale 2,412 11,878Securities 352,121 310,015 Earning assets 2,804,149 2,508,928 Total assets 2,985,186 2,705,114 Non-interest-bearing deposits 608,181 513,638Total deposits 2,455,327 2,308,607 Shareholders’ equity 275,391 241,596

RATIOS Net interest margin 3.68% 3.97% Effi ciency ratio from continuing operations 54.39% 51.43%Allowance for loan losses to loans excluding loans held for sale 1.06% 1.21%Non-performing assets to total loans 1.58% 1.73% Tier 1 capital (to average assets) 8.78% 8.16% Risk-based capital 11.69% 10.86%

(Dollars in thousands,except per share amounts)

06/30/14 06/30/13INCOME DATA Net interest income $24,977 $23,667Provision for credit losses (88) (1,862) Non-interest income 3,206 5,272Non-interest expense (15,759) (15,437)Income tax expense (4,657) (5,681)Net income from continuing operations 7,679 9,683Net income from CCF&N discontinued operations - 146Net Income $7,679 $9,829

Net income to common shareholders $7,176 $9,326Net income to common shareholders from core operations 7,176 9,180Pre-tax pre-provision operating earnings 12,424 13,785Pre-tax pre-provision core operating earnings 12,424 13,502

PERIOD-END BALANCE SHEET DATA Loans, net $2,365,025 $2,118,117 Loans held for sale 2,412 11,878Securities 352,229 310,100 Earning assets 2,804,646 2,509,398 Total assets 2,987,480 2,707,300 Non-interest-bearing deposits 598,579 509,109Total deposits 2,445,725 2,304,078 Shareholders’ equity 242,821 209,444

COMMON SHARE DATA Earnings per share: Basic $0.75 $0.97 Diluted $0.74 $0.96 Book value per common share $22.86 $19.60Tangible book value per common share $21.30 $16.73

RATIOS Return on average assets 1.04% 1.45%Return on average common equity 13.29% 19.77%Net interest margin 3.59% 3.84% Effi ciency ratio from continuing operations 55.92% 53.34%Allowance for loan losses to loans 1.06% 1.21% Non-performing assets to total loans 1.60% 1.73% Tier 1 capital (to average assets) 8.18% 7.50% Risk-based capital 11.57% 11.29%

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Page 4

The second quarter of 2014 marked another period of sound performance for USAmeriBancorp, Inc.

Consolidated core net income available to common shareholders for the second quarter of 2014 was $7.2 million, down from $9.2 million in the year-ago period. The Company’s results of operations for the second quarter produced an annualized return on average assets of 1.04% and an annualized return on average common equity of 13.29%, compared to year-ago ratios of 1.45% and 19.77%, respectively. On a diluted per common share basis, earnings for the second quarter were $0.74, compared to $0.96 in the second quarter of 2013.

In comparing year-over-year performance, it’s useful to note that the second quarter 2013 results included a $0.12 lift in earnings per common share as a result of a $1.9 million negative provision for loan loss. Meanwhile, fi nancial results for the second quarter of 2014 were negatively impacted by a slowdown in mortgage banking income and lower gains on the sale of SBA loans. While we do not believe mortgage banking income will return to previous cyclical highs, we are optimistic about the high level of activity in the SBA line of business. Book value grew by 17% to $22.86, compared to $19.60 in second quarter 2013. And USAmeriBancorp’s asset quality remains high. In measuring our asset quality at the end of the second quarter, the ratio of non-performing assets to total loans stood at 1.60%, compared to 1.73% in the year-ago period.

On a bittersweet note, Brad McMurtrey, who has played a key role in our growth, has moved from his former role as President to a role as a Managing Director. From being part of the group that launched the bank, to implementing and supervising the systems that fuel our quality performance, Brad’s contributions have been invaluable.

We are pleased to announce the company has hired a new Chief Operating Offi cer, Kade Peterson, who joined us in July. Kade brings signifi cant high-level experience, particularly in the operations and technology areas, from his previous role as Executive Vice President of Operations & Technology for Sterling Bank in Spokane, Wash. This move allows longtime bank leader Tina Ford to focus on her growing human resources responsibilities in her new role as Executive Vice President and Director of Human Resources.

Dear Fellow Shareholders,

In Alabama, meanwhile, Aliant Bank has also made a number of signifi cant hires. In a particularly notable addition, Samuel Henderson III has joined the bank as Senior Vice President, Alabama Commercial & Industrial Manager and Birmingham Area Executive. Sam brings 25 years of experience in the banking industry and extensive knowledge of the Birmingham market. Most recently, he was Senior Vice President of Correspondent Banking at the Sterne Agee brokerage fi rm. Having highly experienced, quality people at all levels of our organization will continue to be a diff erentiator for USAmeriBancorp, because their skills give us the ability to provide meaningful value for our business and personal banking customers. And providing this value is a key to our success.

As the economy continues to pick up in both Florida and Alabama, we are seeing more and more opportunities to help our customers grow their businesses and meet their fi nancial goals, both in their professional and personal lives. We are extremely thankful for your support, and as always, we welcome your questions or comments.

Jennifer W. Steans Joseph V. Chillura

Chairman of the Board President & Chief Executive O� cer

(Dollars in thousands)

06/30/14 06/30/13INCOME DATA Net interest income $25,591 $24,491Provision for credit losses (88) 1,862 Non-interest income 3,206 5,272 Non-interest expense (15,663) (15,306)Income tax expense (4,931) (6,049)Net income from continuing operations 8,115 10,270Net income from CCF&N discontinued operations - 146Net Income $8,115 $10,416

Pre-tax pre-provision operating earnings $13,134 $14,603

PERIOD-END BALANCE SHEET DATA Loans, net $2,364,843 $2,117,938 Loans held for sale 2,412 11,878Securities 352,121 310,015 Earning assets 2,804,149 2,508,928 Total assets 2,985,186 2,705,114 Non-interest-bearing deposits 608,181 513,638Total deposits 2,455,327 2,308,607 Shareholders’ equity 275,391 241,596

RATIOS Net interest margin 3.68% 3.97% Effi ciency ratio from continuing operations 54.39% 51.43%Allowance for loan losses to loans excluding loans held for sale 1.06% 1.21%Non-performing assets to total loans 1.58% 1.73% Tier 1 capital (to average assets) 8.78% 8.16% Risk-based capital 11.69% 10.86%

(Dollars in thousands,except per share amounts)

06/30/14 06/30/13INCOME DATA Net interest income $24,977 $23,667Provision for credit losses (88) (1,862) Non-interest income 3,206 5,272Non-interest expense (15,759) (15,437)Income tax expense (4,657) (5,681)Net income from continuing operations 7,679 9,683Net income from CCF&N discontinued operations - 146Net Income $7,679 $9,829

Net income to common shareholders $7,176 $9,326Net income to common shareholders from core operations 7,176 9,180Pre-tax pre-provision operating earnings 12,424 13,785Pre-tax pre-provision core operating earnings 12,424 13,502

PERIOD-END BALANCE SHEET DATA Loans, net $2,365,025 $2,118,117 Loans held for sale 2,412 11,878Securities 352,229 310,100 Earning assets 2,804,646 2,509,398 Total assets 2,987,480 2,707,300 Non-interest-bearing deposits 598,579 509,109Total deposits 2,445,725 2,304,078 Shareholders’ equity 242,821 209,444

COMMON SHARE DATA Earnings per share: Basic $0.75 $0.97 Diluted $0.74 $0.96 Book value per common share $22.86 $19.60Tangible book value per common share $21.30 $16.73

RATIOS Return on average assets 1.04% 1.45%Return on average common equity 13.29% 19.77%Net interest margin 3.59% 3.84% Effi ciency ratio from continuing operations 55.92% 53.34%Allowance for loan losses to loans 1.06% 1.21% Non-performing assets to total loans 1.60% 1.73% Tier 1 capital (to average assets) 8.18% 7.50% Risk-based capital 11.57% 11.29%

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Page 5

4790 140th Avenue NorthClearwater, FL 33762

usameribank.com

Aliant Bank, a division of USAmeriBank, has corporate offices in Birmingham and Alexander City, Alabama. Started in 1900, the bank operates 15 offices in Tallapoosa, Jefferson, Lee, Montgomery, Elmore, Shelby, and St. Clair counties of Alabama. Aliant offers a complete line of banking and other related financial services to commercial, retail and real estate customers. For more information, visit the company website located at www.aliantbank.com.

USAmeriBank is an independent, non-public bank based in Clearwater, Fla. that has established itself as an outstanding middle-market financial institution. The bank, with 12 offices in Hillsborough and Pinellas counties of Florida, serves the needs of individuals and businesses in the Tampa Bay area by providing a high-level of personalized service and attention to a targeted customer base. USAmeriBank’s parent company is USAmeriBancorp, Inc. More information is available at www.usameribank.com.

Locations:Hillsborough County Pinellas CountyBrandon 4th Street (St. Petersburg)Carrollwood 49th Street (Clearwater)Downtown Tampa BelleairSouth Tampa ClearwaterWestshore East Bay (Largo)Ybor City Tarpon Springs

Locations:Birmingham Region Montgomery RegionAlabaster AuburnBirmingham Meadow Brook MillbrookCrestline Montgomery DowntownGardendale Montgomery EastmontPell City Montgomery Festival Plaza Montgomery Zelda RoadTallapoosa Region WetumpkaAlexander City Mill SquareDadeville

Banking on ValuesThe success of USAmeriBank and Aliant Bank depends on how well we serve

our customers. Here are two examples of business owners who are working

with us as they grow, thanks to relationships that go far beyond loans.

With multiple restaurant locations thriving in Clearwater and St. Petersburg, Baystar Restaurant Group decided to further its success with the help of USAmeriBank.

“USAmeriBank values consistent communication and are available to make a decision today instead of waiting until tomorrow,” says Frank Chivas, owner of Baystar, which owns such restaurants as Salt Rock Grill and Rumba Island Grill.

Now, Chivas is working on restoring and renovating the Clearwater city marina for a new restaurant called Marina Cantina Tequila Bar and Grille, with USAmeriBank’s financial assistance.

“As a local restaurant, we depend on the community and focus on making a valuable contribution, and USAmeriBank is the same way,” says Chivas. “They understand the area and offer insights that are specific to our company’s needs.”

Since starting business with a single dump truck in 1984, Chilton Contractors has become one of the leading contractors in central Alabama. To continue the company’s growth, Chilton looked

to Aliant Bank for financing their operational and equipment needs.

“Aliant understands construction finance better than any representative that I’ve ever talked to,” says Allen Payton, owner of Chilton Contractors, which specializes in handling earthwork and utilities for residential, commercial and highway projects.

As a family owned and operated business, Chilton values open communication, which is reflected in Aliant’s customer service.

“In the year we’ve worked with Aliant, they’ve shown that they’re committed to helping our company and providing services that best fit our needs,” says Payton. “We look forward to strengthening and continuing our relationship in the future.”

Frank ChivasOwnerBaystar Restaurant GroupClearwater/St. Petersburg, Fla.

Allen PaytonOwner Chilton ContractorsJemison, Ala.

Second Quarter 2014Financial Highlights

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4790 140th Avenue NorthClearwater, FL 33762

usameribank.com

Aliant Bank, a division of USAmeriBank, has corporate offices in Birmingham and Alexander City, Alabama. Started in 1900, the bank operates 15 offices in Tallapoosa, Jefferson, Lee, Montgomery, Elmore, Shelby, and St. Clair counties of Alabama. Aliant offers a complete line of banking and other related financial services to commercial, retail and real estate customers. For more information, visit the company website located at www.aliantbank.com.

USAmeriBank is an independent, non-public bank based in Clearwater, Fla. that has established itself as an outstanding middle-market financial institution. The bank, with 12 offices in Hillsborough and Pinellas counties of Florida, serves the needs of individuals and businesses in the Tampa Bay area by providing a high-level of personalized service and attention to a targeted customer base. USAmeriBank’s parent company is USAmeriBancorp, Inc. More information is available at www.usameribank.com.

Locations:Hillsborough County Pinellas CountyBrandon 4th Street (St. Petersburg)Carrollwood 49th Street (Clearwater)Downtown Tampa BelleairSouth Tampa ClearwaterWestshore East Bay (Largo)Ybor City Tarpon Springs

Locations:Birmingham Region Montgomery RegionAlabaster AuburnBirmingham Meadow Brook MillbrookCrestline Montgomery DowntownGardendale Montgomery EastmontPell City Montgomery Festival Plaza Montgomery Zelda RoadTallapoosa Region WetumpkaAlexander City Mill SquareDadeville

Banking on ValuesThe success of USAmeriBank and Aliant Bank depends on how well we serve

our customers. Here are two examples of business owners who are working

with us as they grow, thanks to relationships that go far beyond loans.

With multiple restaurant locations thriving in Clearwater and St. Petersburg, Baystar Restaurant Group decided to further its success with the help of USAmeriBank.

“USAmeriBank values consistent communication and are available to make a decision today instead of waiting until tomorrow,” says Frank Chivas, owner of Baystar, which owns such restaurants as Salt Rock Grill and Rumba Island Grill.

Now, Chivas is working on restoring and renovating the Clearwater city marina for a new restaurant called Marina Cantina Tequila Bar and Grille, with USAmeriBank’s financial assistance.

“As a local restaurant, we depend on the community and focus on making a valuable contribution, and USAmeriBank is the same way,” says Chivas. “They understand the area and offer insights that are specific to our company’s needs.”

Since starting business with a single dump truck in 1984, Chilton Contractors has become one of the leading contractors in central Alabama. To continue the company’s growth, Chilton looked

to Aliant Bank for financing their operational and equipment needs.

“Aliant understands construction finance better than any representative that I’ve ever talked to,” says Allen Payton, owner of Chilton Contractors, which specializes in handling earthwork and utilities for residential, commercial and highway projects.

As a family owned and operated business, Chilton values open communication, which is reflected in Aliant’s customer service.

“In the year we’ve worked with Aliant, they’ve shown that they’re committed to helping our company and providing services that best fit our needs,” says Payton. “We look forward to strengthening and continuing our relationship in the future.”

Frank ChivasOwnerBaystar Restaurant GroupClearwater/St. Petersburg, Fla.

Allen PaytonOwner Chilton ContractorsJemison, Ala.

Second Quarter 2014Financial Highlights

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4790 140th Avenue NorthClearwater, FL 33762

usameribank.com

Aliant Bank, a division of USAmeriBank, has corporate offices in Birmingham and Alexander City, Alabama. Started in 1900, the bank operates 15 offices in Tallapoosa, Jefferson, Lee, Montgomery, Elmore, Shelby, and St. Clair counties of Alabama. Aliant offers a complete line of banking and other related financial services to commercial, retail and real estate customers. For more information, visit the company website located at www.aliantbank.com.

USAmeriBank is an independent, non-public bank based in Clearwater, Fla. that has established itself as an outstanding middle-market financial institution. The bank, with 12 offices in Hillsborough and Pinellas counties of Florida, serves the needs of individuals and businesses in the Tampa Bay area by providing a high-level of personalized service and attention to a targeted customer base. USAmeriBank’s parent company is USAmeriBancorp, Inc. More information is available at www.usameribank.com.

Locations:Hillsborough County Pinellas CountyBrandon 4th Street (St. Petersburg)Carrollwood 49th Street (Clearwater)Downtown Tampa BelleairSouth Tampa ClearwaterWestshore East Bay (Largo)Ybor City Tarpon Springs

Locations:Birmingham Region Montgomery RegionAlabaster AuburnBirmingham Meadow Brook MillbrookCrestline Montgomery DowntownGardendale Montgomery EastmontPell City Montgomery Festival Plaza Montgomery Zelda RoadTallapoosa Region WetumpkaAlexander City Mill SquareDadeville

Banking on ValuesThe success of USAmeriBank and Aliant Bank depends on how well we serve

our customers. Here are two examples of business owners who are working

with us as they grow, thanks to relationships that go far beyond loans.

With multiple restaurant locations thriving in Clearwater and St. Petersburg, Baystar Restaurant Group decided to further its success with the help of USAmeriBank.

“USAmeriBank values consistent communication and are available to make a decision today instead of waiting until tomorrow,” says Frank Chivas, owner of Baystar, which owns such restaurants as Salt Rock Grill and Rumba Island Grill.

Now, Chivas is working on restoring and renovating the Clearwater city marina for a new restaurant called Marina Cantina Tequila Bar and Grille, with USAmeriBank’s financial assistance.

“As a local restaurant, we depend on the community and focus on making a valuable contribution, and USAmeriBank is the same way,” says Chivas. “They understand the area and offer insights that are specific to our company’s needs.”

Since starting business with a single dump truck in 1984, Chilton Contractors has become one of the leading contractors in central Alabama. To continue the company’s growth, Chilton looked

to Aliant Bank for financing their operational and equipment needs.

“Aliant understands construction finance better than any representative that I’ve ever talked to,” says Allen Payton, owner of Chilton Contractors, which specializes in handling earthwork and utilities for residential, commercial and highway projects.

As a family owned and operated business, Chilton values open communication, which is reflected in Aliant’s customer service.

“In the year we’ve worked with Aliant, they’ve shown that they’re committed to helping our company and providing services that best fit our needs,” says Payton. “We look forward to strengthening and continuing our relationship in the future.”

Frank ChivasOwnerBaystar Restaurant GroupClearwater/St. Petersburg, Fla.

Allen PaytonOwner Chilton ContractorsJemison, Ala.

Second Quarter 2014Financial Highlights

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