Peer Data

Hispanic Banks (As of June 30, 2011)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	38	8	30
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.70	0.64	0.71
Noninterest Expense	3.31	4.63	2.99
Provision: Loan & Lease Losses	0.70	0.88	0.74
Realized Gains/Losses Sec	0.07	0.07	0.07
Net Operating Income	0.26	-0.67	0.45
Net Income	0.26	-0.67	0.45
Margin Analysis
Avg Earning Assets to Avg Assets	92.68	90.54	93.29
Net Int Inc-TE to Avg Earn Assets	4.03	4.71	3.86
Loan & Lease Analysis
Net Loss to Average Total LN&LS	0.87	0.29	1.04
LN&LS Allowance to Total LN&LS	2.43	2.38	2.47
Noncurrent Loans to Total Loans	4.95	3.00	5.50
Liquidity
Net Non Core Fund Dependence	17.36	7.25	20.25
Net Loans & Leases to Assets	60.28	65.62	58.96
Capitalization
Tier One Leverage Capital	9.51	8.42	9.80
Tier One RBC to Risk-Wgt Assets	16.61	13.40	17.49
Total RBC to Risk-Weight Assets	18.06	15.16	18.88
Cash Dividends to Net Income	10.41	3.95	12.19
Growth Rates
Total Assets	0.19	3.27	-0.67
Tier One Capital	1.23	-5.54	2.45
Net Loans & Leases	-4.12	-1.18	-4.96

Banks in Selected Peer Group
FRB ID RSSD	Institution Name	City	State
49858	BANK OF SOUTH TEXAS	MCALLEN	TX
110936	EUROBANK	CORAL GABLES	FL
170716	BANCO BILBAO VIZCAYA ARGENTARIA PUERTO RICO	SAN JUAN	PR
230759	INTERNATIONAL BANK OF COMMERCE	BROWNSVILLE	TX
245276	ORIENTAL BANK AND TRUST	SAN JUAN	PR
299868	COMMUNITY COMMERCE BANK	CLAREMONT	CA
382069	INTERNATIONAL BANK OF COMMERCE	ZAPATA	TX
497954	TEXAS NATIONAL BANK	MERCEDES	TX
510871	FIRSTBANK PUERTO RICO	SAN JUAN	PR
518877	GREATER SOUTH TEXAS BANK	FALFURRIAS	TX
519360	MISSION NATIONAL BANK	SAN FRANCISCO	CA
564557	FALCON INTERNATIONAL BANK	LAREDO	TX
625159	COMMERCE BANK	LAREDO	TX
641364	PAN AMERICAN BANK	LOS ANGELES	CA
663834	OCEAN BANK	MIAMI	FL
716413	SCOTIABANK DE PUERTO RICO	HATO REY	PR
725732	BAC FLORIDA BANK	CORAL GABLES	FL
800853	CENTINEL BANK OF TAOS	TAOS	NM
804860	CITIZENS STATE BANK	ROMA	TX
816210	BANCO SANTANDER PUERTO RICO	SAN JUAN	PR
837037	CONTINENTAL NATIONAL BANK OF MIAMI	MIAMI	FL
842460	LONE STAR NATIONAL BANK	PHARR	TX
867632	INTERNATIONAL FINANCE BANK	MIAMI	FL
940311	BANCO POPULAR DE PUERTO RICO	SAN JUAN	PR
1001152	INTERNATIONAL BANK OF COMMERCE	LAREDO	TX
1002430	EXECUTIVE NATIONAL BANK	MIAMI	FL
1972298	MY BANK	BELEN	NM
2736291	BANCO POPULAR NORTH AMERICA	NEW YORK	NY
2942823	UNITED BANK OF EL PASO DEL NORTE	EL PASO	TX
3049729	PLUS INTERNATIONAL BANK	MIAMI	FL
3057818	APOLLO BANK	MIAMI	FL
3122828	INTERCONTINENTAL BANK	WEST MIAMI	FL
3146150	U.S. CENTURY BANK	MIAMI	FL
3286999	BANK OF GROVE	GROVE	OK
3447875	PLAZA BANK	SEATTLE	WA
3450950	SONORAN BANK, N.A.	PHOENIX	AZ
3462074	PROMERICA BANK	LOS ANGELES	CA
3488980	AMERICAS UNITED BANK	GLENDALE	CA

Data compiled from the FFIEC website on October 13 and 14, 2011.