BAC Florida Bank in Coral Gables recorded significant loan growth in the fourth quarter, ending 2014 with $1.25 billion in net loans. That reflects a $60 million increase from the $1.19 billion reported in the third quarter, and a $150 million increase from the $1.10 billion in net loans it had fourth quarter of 2013. The growth is largely due to equal increases in the bank's residential real estate loans and commercial and industrial lines of credit. "Our bank specializes in these two segments…