Florida Banks with Weakest Asset Quality - 12/31/2008 ($Mil)
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
Florida Community Bank Immokalee
$987
($41.0)
22.81
3.82
7.94
8.29
12.03
133.05
Integrity Bank Jupiter
$129
($5.1)
19.14
2.70
2.97
7.07
10.30
180.80
Community NB of Sarasota County Venice
$100
($3.3)
15.81
2.50
1.86
8.28
12.00
130.16
Ocean Bank Miami
$4,810
($150.3)
15.67
4.29
5.38
8.75
13.66
125.87
Premier American Bank Miami
$375
($7.3)
14.48
2.25
2.97
6.85
12.82
149.28
Vision Bank Panama City
$923
($81.2)
12.08
5.74
4.14
9.74
12.86
80.58
Security Bank NA N Lauderdale
$164
$0.0
12.08
0.51
1.18
9.29
15.21
115.85
First National Bank of Florida Milton
$441
($6.0)
12.06
1.74
3.13
8.59
12.48
90.40
Hillcrest Bank Florida Naples
$105
($5.3)
11.07
0.71
7.89
7.53
10.22
73.91
Riverside Bank of Gulf Coast Cape Coral
$524
($49.2)
10.51
8.07
4.05
1.23
3.04
230.78
Cortez Community Bank Brooksville
$78
($1.3)
10.18
3.91
1.89
20.42
24.50
42.34
Marco Community Bank Marco Island
$132
($5.1)
10.14
3.18
4.72
9.33
13.08
59.05
Plus International Bank Miami
$89
$0.3
10.05
0.10
0.52
12.28
49.74
72.94
Gulf State Community Bank Carrabelle
$122
($1.6)
10.02
3.64
1.92
9.76
12.76
57.95
Commerce Bank of Southwest FL Fort Myers
$77
($3.1)
9.69
3.96
1.42
7.46
10.10
110.42
Republic Federal Bank, NA Miami
$483
($25.1)
9.62
1.39
2.66
5.53
12.30
90.61
Flagship National Bank Bradenton
$211
($5.1)
9.13
1.81
2.61
7.72
11.74
91.84
Transcapital Bank Hallandale
$228
$0.5
9.12
1.59
0.92
14.16
15.87
52.90
First Guaranty B&TC Jacksonville
$487
($5.0)
9.11
0.82
3.00
9.18
12.83
69.84
Great Eastern Bank of Florida Miami
$82
($1.2)
8.85
1.28
2.24
12.56
17.09
59.34
Fidelity Bank of Florida NA Merritt Island
$412
($2.8)
8.62
1.32
3.35
12.23
15.41
50.32

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.