Hispanic Banks (As of June 30, 2014)
Asset Size

All

Under $100M

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

39

7

32
Earnings and Profitability: Percent of Average Assets
Noninterest Income

0.70

0.65

0.74
Noninterest Expense

3.43

4.55

3.33
Provision: Loan & Lease Losses

0.16

0.03

0.23
Realized Gains/Losses Sec

0.01

0.08

0.01
Net Operating Income

0.54

0.14

0.67
Net Income

0.54

0.14

0.67
Margin Analysis
Avg Earning Assets to Avg Assets

92.63

92.78

92.86
Net Int Inc-TE to Avg Earning Assets

4.05

4.42

4.04
Loan & Lease Analysis
Net Loss to Average Total LN & LS

0.34

0.29

0.50
LN & LS Allowance to Total LN & LS

1.92

1.82

2.05
Noncurrent Loans to Total Loans

3.12

2.25

3.58
Liquidity
Net Noncore Fund Dependence

9.06

3.77

11.30
Net Loans & Leases to Assets

60.47

57.36

61.85
Capitalization
Tier One Leverage Capital

10.98

9.80

11.50
Tier One RBC to Risk-Weight Assets

18.63

17.73

19.24
Total RBC to Risk-Weight Assets

19.83

18.77

20.45
Cash Dividends to Net Income

9.64

8.26

11.66
Growth Rates
Total Assets

2.67

6.04

2.44
Tier One Capital

6.08

-1.41

6.81
Net Loans & Leases

2.91

2.71

3.73
 
Banks in Selected Peer Group
FRB ID RSSD Institution Name City State
3488980 AMERICAS UNITED BANK  GLENDALE  CA
725732 BAC FLORIDA BANK  CORAL GABLES  FL
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
3402913 BANESCO USA  CORAL GABLES  FL
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
3189063 COMMERCIAL BANK OF CALIFORNIA  COSTA MESA  CA
299868 COMMUNITY COMMERCE BANK  CLAREMONT  CA
837037 CONTINENTAL NATIONAL BANK  MIAMI  FL
1002430 EXECUTIVE NATIONAL BANK  MIAMI  FL
564557 FALCON INTERNATIONAL BANK  LAREDO  TX
803461 FINANCE AND THRIFT COMPANY  PORTERVILLE  CA
510871 FIRSTBANK PUERTO RICO  SAN JUAN  PR
518877 GREATER STATE 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
1972298 MY BANK  BELEN  NM
663834 OCEAN BANK  MIAMI  FL
245276 ORIENTAL BANK  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
497954 TEXAS NATIONAL BANK  MERCEDES  TX
3146150 U.S. CENTURY BANK  MIAMI  FL
2942823 UNITED BANK OF EL PASO DEL NORTE  EL PASO  TX
218261 ZAPATA NATIONAL BANK  ZAPATA  TX

Data compiled from the FFIEC website on August 25, 2014.

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