Hispanic Banks (As of June 30, 2012)
Asset Size

All

Under $100M

Over $100M
Peer Group Information
Number of Banks in Peer Group

41

8

33
Earnings and Profitability: Percent of Average Assets
Noninterest Income

0.63

0.58

0.65
Noninterest Expense

3.40

4.70

3.14
Provision: Loan & Lease Losses

0.44

0.07

0.63
Realized Gains/Losses Sec

0.04

0.13

0.02
Net Operating Income

0.23

0.12

0.11
Net Income

0.24

0.17

0.11
Margin Analysis
Avg Earning Assets to Avg Assets

92.42

93.13

92.10
Net Int Inc-TE to Avg Earning Assets

3.90

4.66

3.71
Loan & Lease Analysis
Net Loss to Average Total LN & LS

0.77

0.39

0.97
LN & LS Allowance to Total LN & LS

2.55

2.17

2.71
Noncurrent Loans to Total Loans

4.81

2.05

5.82
Liquidity
Net Noncore Fund Dependence

11.22

6.79

11.95
Net Loans & Leases to Assets

60.91

64.13

59.40
Capitalization
Tier One Leverage Capital

10.43

10.61

10.39
Tier One RBC to Risk-Weight Assets

17.97

18.11

18.20
Total RBC to Risk-Weight Assets

19.25

19.28

19.51
Cash Dividends to Net Income

1.49

3.46

2.89
Growth Rates
Total Assets

-0.48

-1.13

-0.28
Tier One Capital

10.47

20.91

7.48
Net Loans & Leases

-2.18

0.68

-3.00
 
Banks in Selected Peer Group
FRB ID RSSD Institution Name City State
3488980 AMERICAS UNITED BANK GLENDALE CA
3057818 APOLLO BANK MIAMI FL
725732 BAC FLORIDA BANK CORAL GABLES FL
170716 BANCO BILBAO VIZCAYA ARGENTARIA PUERTO RICO SAN JUAN PR
940311 BANCO POPULAR DE PUERTO RICO SAN JUAN PR
2736291 BANCO POPULAR NORTH AMERICA NEW YORK NY
816210 BANCO SANTANDER PUERTO RICO SAN JUAN PR
3286999 BANK OF GROVE GROVE OK
49858 BANK OF SOUTH TEXAS MCALLEN TX
800853 CENTINEL BANK OF TAOS TAOS NM
804860 CITIZENS STATE BANK ROMA TX
625159 COMMERCE BANK LAREDO TX
299868 COMMUNITY COMMERCE BANK CLAREMONT CA
837037 CONTINENTAL NATIONAL BANK OF MIAMI MIAMI FL
110936 EUROBANK CORAL GABLES FL
1002430 EXECUTIVE NATIONAL BANK MIAMI FL
564557 FALCON INTERNATIONAL BANK LAREDO TX
510871 FIRSTBANK PUERTO RICO SAN JUAN PR
518877 GREATER SOUTH TEXAS BANK FALFURRIAS TX
221775 INTERAMERICAN BANK, A FEDERAL SAVINGS BANK MIAMI FL
3122828 INTERCONTINENTAL BANK WEST MIAMI FL
230759 INTERNATIONAL BANK OF COMMERCE BROWNSVILLE TX
382069 INTERNATIONAL BANK OF COMMERCE ZAPATA TX
1001152 INTERNATIONAL BANK OF COMMERCE LAREDO TX
867632 INTERNATIONAL FINANCE BANK MIAMI FL
842460 LONE STAR NATIONAL BANK PHARR TX
519360 MISSION NATIONAL BANK SAN FRANCISCO CA
1972298 MY BANK BELEN NM
663834 OCEAN BANK MIAMI FL
245276 ORIENTAL BANK AND TRUST SAN JUAN PR
641364 PAN AMERICAN BANK LOS ANGELES CA
3447875 PLAZA BANK SEATTLE WA
3049729 PLUS INTERNATIONAL BANK MIAMI FL
897170 PONCE DE LEON FEDERAL BANK BRONX NY
3462074 PROAMERICA BANK LOS ANGELES CA
716413 SCOTIABANK DE PUERTO RICO HATO REY PR
969675 SECOND FEDERAL SAVINGS AND LOAN ASSOCIATION OF CHICAGO CHICAGO IL
3450950 SONORAN BANK, N.A. PHOENIX AZ
497954 TEXAS NATIONAL BANK MERCEDES TX
3146150 U.S. CENTURY BANK MIAMI FL
2942823 UNITED BANK OF EL PASO DEL NORTE EL PASO TX

Data compiled from the FFIEC website External Link on June 30, 2012.

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