CenterState Banks, Inc. (CSFL) is a bank holding company. The Company owns CenterState Bank Central Florida, N.A. (Central), CenterState Bank National Association (CSNA), CenterState Bank of Florida, N.A. (CSB), Valrico State Bank (VSB) (collectively, the Banks) and R4ALL, Inc. (R4ALL) a non bank subsidiary. The Company provides a range of consumer and commercial banking services to individuals, businesses and industries. The basic services it offers include demand interest-bearing and noninterest-bearing accounts, cash management, direct deposits, notary services, money orders, night depository, domestic collections, savings bonds, bank drafts, automated teller services, drive-in tellers, and banking by mail and by Internet. In addition, it makes residential and commercial real estate loans, secured and unsecured commercial loans and consumer loans. It provides automated teller machine (ATM) cards, thereby permitting customers to utilize the convenience of larger ATM networks.