Florida Banks and S&Ls Rated B+ or Higher - June 30, 2009 ($Mil)
City
Total Assets
Net Income
ROA
ROE
% NPA
Net Charge-offs/ Avg. Loans
Total Risk-based Capital Ratio
TheStreet.com Rating
First Federal Bank of Florida Lake City
$632
$1.73
1.10
9.91
1.16
0.49
17.42
A
Peoples Bank of Graceville Graceville
$70
$0.28
1.65
10.10
1.03
0.18
39.41
A
Drummond Community Bank Chiefland
$178
$1.09
2.38
16.27
0.40
0.08
26.00
A+
City National Bank of Florida Miami
$4,171
-$0.26
-0.02
-0.09
1.29
3.44
14.82
B+
Hillsboro Bank Plant City
$96
$0.15
0.63
5.01
0.47
0.57
20.90
B+
Bank of Belle Glade Belle Glade
$61
$0.07
0.51
4.19
0.00
0.12
24.56
B+
Community State Bank Starke
$50
$0.14
1.10
5.97
1.65
-0.45
36.25
B+

Note: Income and charge-off figures are for the secpndquarter of 2009. Net Charge-offs ratio is annualized.

Nonperforming Loans - Loans past due 90 days or more, less government-guaranteed balances.
NPA - Nonperforming Assets - NPL and repossessed real estate.
ROA - Return on Average Assets, annualized.

Data Source: Regulator filings via SNL Financial.