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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 |
12
|
12
|
9
|
6
|
6
|
| Earnings and Profitability: Percent of Average Assets | |||||
| NONINTEREST INCOME |
0.44
|
0.46
|
0.72
|
0.74
|
0.72
|
| NONINTEREST EXPENSE |
7.26
|
48.10
|
12.92
|
4.49
|
4.32
|
| PROVISION LOAN & LEASE LOSSES |
1.39
|
0.66
|
0.38
|
0.18
|
0.22
|
| REALIZED GAINS/LOSSES SEC |
-0.08
|
-0.01
|
-0.01
|
0.01
|
0.04
|
| NET OPERATING INCOME |
-3.92
|
-38.13
|
-7.06
|
0.40
|
0.53
|
| NET INCOME |
-3.92
|
-38.13
|
-7.06
|
0.40
|
0.53
|
| Margin Analysis | |||||
| AVG EARNING ASSETS TO AVG ASSETS |
91.87
|
91.52
|
91.85
|
91.33
|
91.73
|
| NET INT INC-TE TO AVG EARNING ASSET |
4.56
|
11.57
|
5.67
|
4.89
|
4.92
|
| Loan & Lease Analysis | |||||
| NET LOSS TO AVERAGE TOTAL LN & LS |
1.48
|
0.14
|
0.08
|
0.46
|
0.60
|
| LN & LS ALLOWANCE TO TOTAL LN & LS |
1.86
|
1.17
|
1.05
|
1.56
|
1.71
|
| NON-CUR LN & LS TO GROSS LN & LS |
3.36
|
1.14
|
1.77
|
4.44
|
3.56
|
| Liquidity | |||||
| NET NONCORE FUND DEPENDENCE |
26.53
|
-37.60
|
-124.55
|
23.38
|
24.65
|
| NET LOANS & LEASES TO ASSETS |
67.78
|
57.79
|
53.74
|
54.38
|
54.21
|
| Capitalization | |||||
| TIER ONE LEVERAGE CAPITAL |
20.36
|
55.25
|
32.04
|
12.14
|
11.11
|
| TIER ONE RBC TO RISK-WEIGHT ASSETS |
33.70
|
63.50
|
67.84
|
29.12
|
31.98
|
| TOTAL RBC TO RISK-WEIGHT ASSETS |
34.78
|
64.32
|
68.69
|
30.27
|
33.16
|
| CASH DIVIDENDS TO NET INCOME |
13.97
|
11.33
|
-6.31
|
29.76
|
63.99
|
| Growth Rates | |||||
| ASSETS |
12.98
|
33.99
|
11.24
|
3.20
|
4.09
|
| TIER ONE CAPITAL |
-8.73
|
-1.35
|
9.90
|
12.38
|
1.07
|
| NET LOANS & LEASES |
143.00
|
183.71
|
35.35
|
4.45
|
1.32
|
| 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 |
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