Florida Banks with Highest Loan Charge-off Ratios for 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 Sabal Palm Bank Sarasota $61 ($2.2) 4.43 6.11 1.84 22.06 26.85 21.15 Vision Bank Panama City $923 ($81.2) 12.08 5.74 4.14 9.74 12.86 80.58 Synovus Bank St Petersburg $1,493 ($214.8) 3.62 4.64 2.20 8.82 11.45 29.38 Independent Bankers Bank of FL Lake Mary $447 ($7.3) 4.10 4.58 3.90 8.05 13.03 21.41 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.