Below-Well-Capitalized Florida Banks - 12/31/2008 City Total Assets Net Income (Loss) % NPA Net Charge-offs/ Avg. Loans LLR/ TL Tier 1 Leverage Ratio Risk-based Capital Ratio NPL/ Core Capital & Reserves Riverside Bank of the Gulf Coast Cape Coral $524 ($49.2) 10.51 8.07 4.05 1.23 3.04 230.78 Prosperity Bank St Augustine $1,099 ($9.8) 4.16 2.34 2.26 5.16 9.16 49.69 Espirito Santo Bank Miami $494 ($2.2) 1.61 0.78 0.37 5.20 9.78 28.81 Bank of Bonifay Bonifay $246 ($3.6) 7.13 2.44 2.05 6.02 9.57 80.96 Riverside National Bank of FL Fort Pierce $3,962 ($54.6) 3.84 1.67 2.61 6.14 9.76 40.09 Community Bank of Cape Coral Cape Coral $101 ($2.0) 6.18 3.32 1.08 6.99 8.54 76.74 Coastal Community Bank Apalachicola $361 ($2.7) 4.09 1.27 1.08 7.11 9.60 38.62 Note: Fourth quarter did not include S&Ls, and was still subject to revision and correction when provided on February 9 by Highline Financial, Inc. Net income and charge-off figures are for the full year, 2008. NPL - Nonperforming Loans - Loans past due 90 days or more, l;ess government-guaranteed balances. NPA - NPL and repossessed real estate. LLR - Loan loss reserves. TL - Total loans.