Peer Data

Hispanic Banks: Under $100M (As of March 31, 2009)
	03/31/2009	03/31/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	12	12	12	12	9
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.42	0.48	0.44	0.46	0.72
NONINTEREST EXPENSE	6.58	7.54	7.26	48.10	12.92
PROVISION LOAN & LEASE LOSSES	1.17	0.47	1.39	0.66	0.38
REALIZED GAINS/LOSSES SEC	0.16	0.31	-0.08	-0.01	-0.01
NET OPERATING INCOME	-3.13	-3.11	-3.92	-38.13	-7.06
NET INCOME	-3.13	-3.11	-3.92	-38.13	-7.06
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	90.34	91.31	91.87	91.52	91.85
NET INT INC-TE TO AVG EARN ASSET	4.50	4.56	4.56	11.57	5.67
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	1.07	0.28	1.48	0.14	0.08
LN&LS ALLOWANCE TO TOTAL LN&LS	1.91	1.36	1.86	1.17	1.05
NON-CUR LN&LS TO GROSS LN&LS	4.11	1.18	3.36	1.14	1.77
Liquidity
NET NON CORE FUND DEPENDENCE	29.47	10.26	26.53	-37.60	-124.55
NET LOANS & LEASES TO ASSETS	68.76	59.84	67.78	57.79	53.74
Capitalization
TIER ONE LEVERAGE CAPITAL	19.57	28.15	20.36	55.25	32.04
TIER ONE RBC TO RISK-WGT ASSETS	31.18	56.78	33.70	63.50	67.84
TOTAL RBC TO RISK-WEIGHT ASSETS	32.31	57.71	34.78	64.32	68.69
CASH DIVIDENDS TO NET INCOME	-7.10	0.00	13.97	11.33	-6.31
Growth Rates
ASSETS	11.60	28.79	12.98	33.99	11.24
TIER ONE CAPITAL	-5.48	-0.72	-8.73	-1.35	9.90
NET LOANS & LEASES	194.44	59.07	143.00	183.71	35.35

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
3337	Texas National Bank	Mercedes	TX	78570	Hidalgo
20448	Pan American Bank	Los Angeles	CA	90022	Los Angeles
22657	Citizens State Bank	Roma	TX	78584	Starr
26727	Bank of South Texas	Mcallen	TX	78504	Hidalgo
31762	Greater South Texas Bank	Falfurrias	TX	78355	Brooks
57083	Plus International Bank	Miami	FL	33131	Miami-dade
57915	Bank of Grove	Grove	OK	74344	Delaware
58252	Sonoran Bank, N.A.	Phoenix	AZ	85014	Maricopa
58305	Plaza Bank	Seattle	WA	98101	King
58349	PROMERICA Bank	Los Angeles	CA	90017	Los Angeles
58390	Santa Ana Business Bank	Santa Ana	CA	92701	Orange
58550	Nuestro Banco	Raleigh	NC	27603	Wake