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12/31/2008
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12/31/2007
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12/31/2006
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12/31/2005
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12/31/2004
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Peer Group Information | |||||
NUMBER OF BANKS IN PEER GROUP |
37
|
37
|
37
|
35
|
35
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
0.80
|
0.77
|
0.71
|
0.80
|
0.87
|
NONINTEREST EXPENSE |
3.16
|
3.39
|
3.77
|
2.83
|
2.86
|
PROVISION LOAN & LEASE LOSSES |
1.01
|
0.46
|
0.27
|
0.22
|
0.22
|
REALIZED GAINS/LOSSES SEC |
0.02
|
-0.02
|
-0.01
|
-0.00
|
0.04
|
NET OPERATING INCOME |
-0.36
|
0.04
|
0.25
|
0.98
|
1.07
|
NET INCOME |
-0.36
|
0.04
|
0.25
|
0.98
|
1.08
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
94.53
|
94.56
|
94.93
|
94.12
|
94.52
|
NET INT INC-TE TO AVG EARNING ASSET |
3.41
|
3.74
|
3.96
|
3.91
|
3.88
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
1.08
|
0.40
|
0.23
|
0.21
|
0.25
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.84
|
1.48
|
1.31
|
1.32
|
1.38
|
NON-CUR LN & LS TO GROSS LN & LS |
4.57
|
2.12
|
1.03
|
0.79
|
0.76
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
47.30
|
42.14
|
34.61
|
41.77
|
34.62
|
NET LOANS & LEASES TO ASSETS |
65.10
|
62.65
|
58.14
|
59.51
|
55.97
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
9.05
|
9.37
|
10.66
|
8.82
|
8.86
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
13.55
|
13.87
|
18.27
|
13.64
|
14.30
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
14.98
|
15.14
|
19.56
|
14.83
|
15.51
|
CASH DIVIDENDS TO NET INCOME |
17.22
|
24.15
|
18.86
|
16.41
|
22.73
|
Growth Rates | |||||
ASSETS |
5.56
|
9.13
|
8.11
|
14.84
|
23.67
|
TIER ONE CAPITAL |
3.90
|
3.22
|
10.77
|
12.28
|
18.16
|
NET LOANS & LEASES |
10.68
|
22.44
|
12.00
|
19.26
|
25.67
|
FDIC Cert. Number | Institution Name | City | State | Zip | County |
---|---|---|---|---|---|
18255 | BBVA Bancomer USA | Moreno Valley | CA | 92556 | Los Angeles |
19040 | The Bank of Miami, National Association | Coral Gables | FL | 33134 | Miami-dade |
19629 | International Bank of Commerce | Laredo | TX | 78040 | Webb |
19919 | Banco Bilbao Vizcaya Argentaria Puerto Rico | San Juan | PR | 00918 | San Juan |
19904 | Centinel Bank of Taos | Taos | NM | 87571 | Taos |
20711 | Executive National Bank | Miami | FL | 33116 | Miami-dade |
20828 | Banco Santander Puerto Rico | San Juan | PR | 00936 | San Juan |
21265 | BAC Florida Bank | Coral Gables | FL | 33134 | Miami-dade |
21578 | Continental National Bank of Miami | Miami | FL | 33135 | Miami-dade |
22946 | Scotiabank de Puerto Rico | San Juan | PR | 00936 | San Juan |
23772 | Commerce Bank | Laredo | TX | 78044 | Webb |
23749 | Mission National Bank | San Francisco | CA | 94103 | San Francisco |
24156 | Ocean Bank | Miami | FL | 33144 | Miami-dade |
24347 | Lone Star National Bank | Pharr | TX | 78577 | Hidalgo |
24823 | International Finance Bank | Miami | FL | 33144 | Miami-dade |
24961 | International Bank of Commerce | Zapata | TX | 78076 | Zapata |
25580 | TransAtlantic Bank | Miami | FL | 33131 | Miami-dade |
25679 | International Bank of Commerce | Brownsville | TX | 78522 | Cameron |
26363 | Community Commerce Bank | Claremont | CA | 91711 | Los Angeles |
26856 | Falcon International Bank | Laredo | TX | 78041 | Webb |
27150 | Eurobank | San Juan | PR | 00919 | San Juan |
30387 | Firstbank of Puerto Rico | Santurce | PR | 00908 | San Juan |
31027 | Westernbank Puerto Rico | Mayaguez | PR | 00680 | Mayaguez |
31469 | Oriental Bank and Trust | San Juan | PR | 00919 | San Juan |
32102 | Doral Bank | Catano | PR | 00963 | San Juan |
33616 | My Bank | Belen | NM | 87002 | Valencia |
34270 | First BankAmericano | Elizabeth | NJ | 07208 | Union |
34968 | Banco Popular de Puerto Rico | San Juan | PR | 00936 | San Juan |
34967 | Banco Popular North America | New York | NY | 10271 | New York |
35065 | United Americas Bank, National Association | Atlanta | GA | 30342 | Fulton |
35599 | UNION CREDIT BANK | Miami | FL | 33155 | Miami-dade |
57119 | United Bank of El Paso del Norte | El Paso | TX | 79912 | El Paso |
57147 | Premier American Bank | Miami | FL | 33155 | Miami-dade |
57214 | Intercontinental Bank | West Miami | FL | 33144 | Miami-dade |
57369 | U. S. Century Bank | Doral | FL | 33172 | Miami-dade |
58243 | John Marshall Bank | Baileys Crossroads | VA | 22041 | Fairfax |
58360 | Americas United Bank | Glendale | CA | 91203 | Los Angeles |
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