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03/31/2009
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03/31/2008
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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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Peer Group Information | |||||
NUMBER OF BANKS IN PEER GROUP |
12
|
12
|
12
|
12
|
9
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
0.42
|
0.48
|
0.44
|
0.46
|
0.72
|
NONINTEREST EXPENSE |
6.58
|
7.54
|
7.26
|
48.10
|
12.92
|
PROVISION LOAN & LEASE LOSSES |
1.17
|
0.47
|
1.39
|
0.66
|
0.38
|
REALIZED GAINS/LOSSES SEC |
0.16
|
0.31
|
-0.08
|
-0.01
|
-0.01
|
NET OPERATING INCOME |
-3.13
|
-3.11
|
-3.92
|
-38.13
|
-7.06
|
NET INCOME |
-3.13
|
-3.11
|
-3.92
|
-38.13
|
-7.06
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
90.34
|
91.31
|
91.87
|
91.52
|
91.85
|
NET INT INC-TE TO AVG EARNING ASSET |
4.50
|
4.56
|
4.56
|
11.57
|
5.67
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
1.07
|
0.28
|
1.48
|
0.14
|
0.08
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.91
|
1.36
|
1.86
|
1.17
|
1.05
|
NON-CUR LN & LS TO GROSS LN & LS |
4.11
|
1.18
|
3.36
|
1.14
|
1.77
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
29.47
|
10.26
|
26.53
|
-37.60
|
-124.55
|
NET LOANS & LEASES TO ASSETS |
68.76
|
59.84
|
67.78
|
57.79
|
53.74
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
19.57
|
28.15
|
20.36
|
55.25
|
32.04
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
31.18
|
56.78
|
33.70
|
63.50
|
67.84
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
32.31
|
57.71
|
34.78
|
64.32
|
68.69
|
CASH DIVIDENDS TO NET INCOME |
-7.10
|
0.00
|
13.97
|
11.33
|
-6.31
|
Growth Rates | |||||
ASSETS |
11.60
|
28.79
|
12.98
|
33.99
|
11.24
|
TIER ONE CAPITAL |
-5.48
|
-0.72
|
-8.73
|
-1.35
|
9.90
|
NET LOANS & LEASES |
194.44
|
59.07
|
143.00
|
183.71
|
35.35
|
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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