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Peer Data

Hispanic Banks (As of June 30, 2009)
 
06/30/2009
06/30/2008
12/31/2008
12/31/2007
12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
49
49
49
49
46
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.64
0.76
0.70
0.71
0.72
NONINTEREST EXPENSE
3.72
4.02
3.96
4.48
5.11
PROVISION LOAN & LEASE LOSSES
1.03
0.72
1.00
0.41
0.25
REALIZED GAINS/LOSSES SEC
0.12
0.05
0.02
-0.01
-0.00
NET OPERATING INCOME
-0.80
-0.38
-0.79
-0.42
-0.75
NET INCOME
-0.80
-0.38
-0.79
-0.42
-0.75
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
93.49
94.25
94.15
94.04
94.52
NET INT INC-TE TO AVG EARNING ASSET
3.50
3.74
3.72
4.11
4.29
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
1.13
0.46
0.98
0.29
0.16
LN & LS ALLOWANCE TO TOTAL LN & LS
1.95
1.54
1.73
1.29
1.25
NON-CUR LN & LS TO GROSS LN & LS
5.14
2.33
3.92
1.70
0.96
Liquidity
NET NONCORE FUND DEPENDENCE
38.97
38.96
41.53
35.02
31.16
NET LOANS & LEASES TO ASSETS
65.94
65.46
66.66
63.03
59.47
Capitalization
TIER ONE LEVERAGE CAPITAL
9.81
10.96
10.32
11.51
12.87
TIER ONE RBC TO RISK-WEIGHT ASSETS
15.18
16.42
15.81
17.37
20.14
TOTAL RBC TO RISK-WEIGHT ASSETS
16.56
17.77
17.21
18.64
21.33
CASH DIVIDENDS TO NET INCOME
5.85
7.98
17.86
26.35
17.71
Growth Rates
ASSETS
5.12
9.00
6.62
13.62
8.23
TIER ONE CAPITAL
-1.63
2.03
-0.29
3.00
9.48
NET LOANS & LEASES
4.67
14.84
13.40
26.03
12.85
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
3337 Texas National Bank Mercedes TX 78570 Hidalgo
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
20448 Pan American Bank Los Angeles CA 90022 Los Angeles
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
22657 Citizens State Bank Roma TX 78584 Starr
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
26727 Bank of South Texas Mcallen TX 78504 Hidalgo
26725 EuroBank Coral Gables FL 33134 Miami-dade
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
31762 Greater South Texas Bank Falfurrias TX 78355 Brooks
32185 R-G Premier Bank of Puerto Rico Hato Rey PR 00919 San Juan
33616 My Bank Belen NM 87002 Valencia
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
57083 Plus International Bank Miami FL 33131 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
57915 Bank of Grove Grove OK 74344 Delaware
58082 Libertad Bank SSB Austin TX 78704 Travis
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
58360 Americas United Bank Glendale CA 91203 Los Angeles
58390 Santa Ana Business Bank Santa Ana CA 92701 Orange
58550 Nuestro Banco Raleigh NC 27603 Wake

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