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U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549
 FORM 10-K/A
(Amendment No. 1) Annual Report Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934 For the fiscal year
ended December 31, 2004
    
    Commission file number
000-21329
 TIB FINANCIAL CORP.  Florida
(State of Incorporation)
    
    65-0655973
(I.R.S. Employer
Identification No.)
  599 9th Street North
Naples, Florida
(Address of Principal Executive Offices)
    
    34102
(Zip Code)
 (239) 263-3344
(Registrants telephone number) Securities Registered pursuant to Section 12(b) of the Act: None
Securities Registered pursuant to Section 12(g) of the Act: Common stock, par value $0.10 Check whether the issuer (1) has filed all reports required to be filed by Section 13 or 15(d) of
the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that
the issuer was required to file such reports), and (2) has been subject to such filing requirements
for the past 90 days. Yes x or No o Check if there is no disclosure of delinquent filers pursuant to Item 405 of Regulation S-K
contained in this form, and will not be contained, to the best of issuers knowledge, in definitive
proxy or information statements incorporated by reference in Part III of this Form 10-K or any
amendment to this Form 10-K. x Indicate by check mark whether the issuer is an accelerated filer (as defined in Rule 12b-2 of the
Act). Yes x or No o The aggregate market value of the voting stock held by non-affiliates of the registrant at February
28, 2005 was $144,907,000 based on $25.50 per share as of February 28, 2005. The number of shares outstanding of issuers class of common stock at February 28, 2005 was
5,682,639 shares of common stock. Documents Incorporated By Reference: Portions of the Proxy Statement for the 2005 Annual Meeting
of Shareholders to be filed with the Securities and Exchange Commission within 120 days of the
Registrants 2004 fiscal year end are incorporated by reference into Part III of this report.   1




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TABLE OF CONTENTS  EXPLANATORY NOTEITEM 9A.           CONTROLS AND PROCEDURESMANAGEMENTS REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTINGREPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRMExhibitsSIGNATURESEx-31.1 Section 302 CEO CertificationEx-31.2 Section 302 CFO Certification    Table of Contents  
 EXPLANATORY NOTE This Amendment No. 1 on Form 10-K/A to the TIB Financial Corp. (the Company) Annual Report
on Form 10-K for the fiscal year ended December 31, 2004 (the Original Filing), which was filed
with the Securities and Exchange Commission on March 16, 2005, is being filed to amend the Original
Filing as follows:  
    Item 9A is amended to update Managements Annual Report on Internal
Controls Over Financial Reporting to include managements assessment of the
effectiveness of the Companys internal control over financial reporting, and  
    the related audit report of the independent registered public accounting firm is
included. This Amendment No. 1 is filed pursuant to Securities and Exchange Commission Release No.
34-50754 which provides up to 45 additional days beyond the date of the Original Filing for the
filing of the above. As a result of these amendments, the certifications pursuant to Section 302 of the Sarbanes-
Oxley Act of 2002, filed as exhibits to the Original Filing, have been re-executed and re-filed as
of the date of this Form 10-K/A. Except for the amendments described above, this Form 10-K/A does not modify or update other
disclosures in, or exhibits to, the Original Filing. 
 ITEM 9A.           CONTROLS AND PROCEDURES (a)     Evaluation of Disclosure Controls and Procedures The Companys Chief Executive Officer and Chief Financial Officer have evaluated the Companys
disclosure controls and procedures as of the end of the period covered by this report. Based upon
that evaluation, they have concluded that the Corporations disclosure controls and procedures are
effective in ensuring that material information related to the Corporation is made known to them by
others within the Corporation. (b)     Managements Annual Report on Internal Control Over Financial Reporting The Company has made no significant changes in its internal controls or in other factors which
may significantly affect these controls subsequent to the evaluation of these controls by the Chief
Executive Officer and Chief Financial Officer. 2




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MANAGEMENTS REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING The management of TIB Financial Corp. is responsible for establishing and maintaining adequate
internal control over financial reporting, based on the criteria established in Internal
ControlIntegrated Framework issued by the Committee of Sponsoring Organizations of the Treadway
Commission (COSO). TIB Financial Corp.s system of internal control over financial reporting was
designed under the supervision of the companys chief executive officer and chief financial officer
to provide reasonable assurance regarding the reliability of the preparation of the companys
financial statements for external reporting purposes, in accordance with U.S. generally accepted
accounting principles. TIB Financial Corp.s management assessed the effectiveness of the companys internal control
over financial reporting as of December 31, 2004, based on the criteria established in Internal
ControlIntegrated Framework issued by the Committee of Sponsoring Organizations of the Treadway
Commission (COSO). Based on the assessment, management determined that, as of December 31, 2004,
the companys internal control over financial reporting is effective. Managements assessment of
the effectiveness of the companys internal control over financial reporting as of December 31,
2004 has been audited by Crowe Chizek and Company LLC, an independent registered public accounting
firm, as stated in their report appearing on page 4 of this filing. Date: April 7, 2005 /s/ Edward V. Lett
Edward V. Lett
President and Chief Executive Officer /s/ David P. Johnson
David P. Johnson
Executive Vice President and Chief Financial Officer 3




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(c)     Audit Report of the Registered Public Accounting Firm 
 REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM TIB Financial Corp.
Naples, Florida We have audited managements assessment, included in the accompanying Managements Report on
Internal Control Over Financial Reporting, that TIB Financial Corp. maintained effective internal
control over financial reporting as of December 31, 2004, based on the criteria established in
Internal ControlIntegrated Framework issued by the Committee of Sponsoring Organizations of the
Treadway Commission (COSO). TIB Financial Corp.s management is responsible for maintaining
effective internal control over financial reporting and for its assessment of the effectiveness of
internal control over financial reporting. Our responsibility is to express an opinion on
managements assessment and an opinion on the effectiveness of the companys internal control over
financial reporting based on our audit. We conducted our audit in accordance with the standards of the Public Company Accounting Oversight
Board (United States). Those standards require that we plan and perform the audit to obtain
reasonable assurance about whether effective internal control over financial reporting was
maintained in all material respects. Our audit included obtaining an understanding of internal
control over financial reporting, evaluating managements assessment, testing and evaluating the
design and operating effectiveness of internal control, and performing such other procedures as we
considered necessary in the circumstances. We believe that our audit provides a reasonable basis
for our opinion. A companys internal control over financial reporting is a process designed to provide reasonable
assurance regarding the reliability of financial reporting and the preparation of financial
statements for external purposes in accordance with generally accepted accounting principles. A
companys internal control over financial reporting includes those policies and procedures that (1)
pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the
transactions and dispositions of the assets of the company; (2) provide reasonable assurance that
transactions are recorded as necessary to permit preparation of financial statements in accordance
with generally accepted accounting principles, and that receipts and expenditures of the company
are being made only in accordance with authorizations of management and directors of the company;
and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized
acquisition, use, or disposition of the companys assets that could have a material effect on the
financial statements. Because of its inherent limitations, internal control over financial reporting may not prevent or
detect misstatements. Also, projections of any evaluation of effectiveness to future periods are
subject to the risk that controls may become inadequate because of changes in conditions, or that
the degree of compliance with the policies or procedures may deteriorate. In our opinion, managements assessment that TIB Financial Corp. maintained effective internal
control over financial reporting as of December 31, 2004, is fairly stated, in all material
respects, based on the criteria established in Internal ControlIntegrated Framework issued by the
Committee of Sponsoring Organizations of the Treadway Commission (COSO). Also in our opinion, TIB
Financial Corp. maintained, in all material respects, effective internal control over financial
reporting as of December 31, 2004, based on the criteria established in Internal ControlIntegrated
Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). We have also audited, in accordance with the standards of the Public Company Accounting Oversight
Board (United States), the balance sheets of TIB Financial Corp. as of December 31, 2004 and 2003,
and the related statements of operations, stockholders equity, and cash flows for each of the
three years in the period ended December 31, 2004, and our report dated February 1, 2005 expressed
an unqualified opinion on those consolidated financial statements. /s/ Crowe Chizek and Company LLC Fort Lauderdale, Florida April 7, 2005 4




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Exhibits The following exhibits are filed with this report as indicated below: Exhibit Numbers and Descriptions  31.1
    Chief Executive Officers certification required under Section 302 of
Sarbanes-Oxley Act of 2002  31.2
    Chief Financial Officers certification required under Section 302 of
Sarbanes-Oxley Act of 2002 
 SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934,
the Registrant has duly caused this Report to be signed on its behalf by the undersigned, thereunto
duly authorized on April 8, 2005. TIB FINANCIAL CORP. By:
    /s/ Edward V. LettEdward V. LettPresident, Chief Executive Officer and Director Pursuant to the requirements of the Securities Exchange Act of 1934, this Report has been signed
below by the following persons on behalf of the Registrant and in the capacities indicated on April
8, 2005. Signature
    
    Title/s/ Edward V. Lett

Edward V. Lett
    
    President (Principal Executive Officer), Chief Executive Officer
and Director/s/ Richard C. Bricker, Jr.

Richard C. Bricker, Jr.
    
    Director/s/ Armando J. Henriquez

Dr. Armando J. Henriquez
    
    Director/s/ Gretchen K. Holland

Gretchen K. Holland
    
    Director/s/ Paul O. Jones, Jr., M.D.

Paul O. Jones, Jr., M.D.
    
    Director/s/ James R. Lawson

James R. Lawson
    
    Director
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Signature
    
    Title/s/ Thomas J. Longe

Thomas J. Longe
    
    Director/s/ John G. Parks, Jr.

John G. Parks, Jr.
    
    Director/s/ Marvin F. Schindler

Marvin F. Schindler
    
    Director/s/ Otis T. Wallace

Otis T. Wallace
    
    Director/s/ Millard J. Younkers

Millard J. Younkers, Jr.
    
    Director/s/ Robert A. Zolten, M.D.

Robert A. Zolten, M.D.
    
    Director/s/ David P. Johnson

David P. Johnson
    
    Chief Financial and Accounting Officer
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