Peer Data

Hispanic Banks: Under $100M (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	14	14	14	14	11
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.40	0.50	0.47	0.51	0.76
NONINTEREST EXPENSE	6.03	7.10	6.95	42.19	12.55
PROVISION LOAN & LEASE LOSSES	1.08	1.16	1.32	0.60	0.42
REALIZED GAINS/LOSSES SEC	0.12	0.13	-0.07	-0.01	-0.01
NET OPERATING INCOME	-2.67	-3.49	-3.63	-32.96	-6.83
NET INCOME	-2.67	-3.49	-3.63	-32.96	-6.83
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	91.81	92.32	92.73	92.22	92.58
NET INT INC-TE TO AVG EARNING ASSET	4.25	4.46	4.41	10.56	5.58
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.91	0.40	1.29	0.12	0.07
LN & LS ALLOWANCE TO TOTAL LN & LS	2.01	1.61	1.85	1.13	1.03
NON-CUR LN & LS TO GROSS LN & LS	4.58	1.97	3.11	1.21	1.46
Liquidity
NET NONCORE FUND DEPENDENCE	32.35	25.58	28.30	-28.34	-97.91
NET LOANS & LEASES TO ASSETS	67.58	67.86	67.93	60.32	57.72
Capitalization
TIER ONE LEVERAGE CAPITAL	16.44	22.04	19.02	49.22	31.01
TIER ONE RBC TO RISK-WEIGHT ASSETS	26.15	36.79	31.05	56.46	59.70
TOTAL RBC TO RISK-WEIGHT ASSETS	27.58	38.08	32.41	57.54	60.54
CASH DIVIDENDS TO NET INCOME	-3.73	0.44	11.98	9.71	-5.16
Growth Rates
ASSETS	14.59	22.41	14.75	38.86	9.67
TIER ONE CAPITAL	-1.80	-1.87	-5.87	-2.04	8.75
NET LOANS & LEASES	22.70	41.46	124.41	166.67	29.46

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
26725	EuroBank	Coral Gables	FL	33134	Miami-dade
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
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
58390	Santa Ana Business Bank	Santa Ana	CA	92701	Orange
58550	Nuestro Banco	Raleigh	NC	27603	Wake