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Palm Coast, Florida( December 12, 2013) – Bauer Financial Inc. announced that Intracoastal
Bank was in receipt of a 5-Star "superior" rating based upon its financial condition as of the third
quarter that ended on September 30, 2013. The 5-Star rating is the highest rating designated by
Bauer Financial Inc. This marks the 15th consecutive quarter that Intracoastal Bank has earned
this distinction.

Commenting on the Company’s 5 star rating Intracoastal Bank’s President and Chief Executive
Officer Bruce E. Page said “we are pleased that we continue to be recognized as one of strongest
financial institutions in the Nation, State of Florida and in our local community.”

Bauer Financial has been reporting on and analyzing the performance of U.S. banks and credit
unions since 1983. Star ratings are assigned on a scale of zero-to-five stars (5-stars being the
strongest) and are based on the current overall financial picture of the bank or credit union. More
information about Bauer Financial ratings methodology is available

Intracoastal Bank, headquartered in Palm Coast, and is a locally owned and operated financial
institution. Intracoastal Bank’s main banking center is located at 1290 Palm Coast Parkway, NW,
Palm Coast, Florida 32137. The Bank’s Lending Center is located at 1659 N. Clyde Morris Blvd
Ste 2, Daytona Beach, FL 32117. The Bank serves the Flagler and Volusia Counties area. The
bank offers a full range of deposit and loan products tailored to meet the needs of customers and
the community. The bank is a state charted commercial bank, member FDIC. More corporate
information and e-banking are available at, or join the
conversation with Intracoastal Bank on Facebook

For further information, please feel free to contact:

Bruce Page
President & C.E.O.

1290 Palm Coast Parkway NW
Palm Coast, FL. 32137
Office: 386- 449-0958
Fax: 386-447-1663
Cell: 386-864-0611
Find us on Facebook: Intracoastal Bank