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Peer Data

Hispanic Banks: Under $100M (As of March 31, 2009)
 
03/31/2009
03/31/2008
12/31/2008
12/31/2007
12/31/2006
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
Banks in Selected Peer Group
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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