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Peer Data

Hispanic Banks (Year-End 2009)
 
12/31/2009
12/31/2008
12/31/2007
12/31/2006
12/31/2005
Peer Group Information
Number of Banks in Peer Group
46
46
46
44
39
Earnings and Profitability: Percent of Average Assets
Noninterest Income
0.66
0.69
0.70
0.72
0.76
Noninterest Expense
3.47
3.57
3.82
4.69
2.98
Provision: Loan & Lease Losses
1.51
0.90
0.40
0.25
0.19
Realized Gains/Losses Sec
0.13
0.02
0.00
0.00
0.00
Net Operating Income
-0.99
-0.53
0.04
-0.60
0.88
Net Income
-1.06
-0.53
0.04
-0.60
0.88
Margin Analysis
Avg Earning Assets to Avg Assets
93.69
94.28
94.28
94.63
93.78
Net Int Inc-TE to Avg Earn Assets
3.59
3.73
4.02
4.22
3.94
Loan & Lease Analysis
Net Loss to Average Total LN & LS
1.62
0.86
0.31
0.17
0.23
LN & LS Allowance to Total LN & LS
2.21
1.63
1.23
1.22
1.32
Noncurrent Loans to Total Loans
5.28
3.87
1.61
0.89
1.08
Liquidity
Net Noncore Fund Dependence
39.90
43.52
39.19
33.93
39.07
Net Loans & Leases to Assets
65.33
66.74
64.37
59.47
58.01
Capitalization
Tier One Leverage Capital
9.13
10.00
10.79
13.04
8.81
Tier One RBC to Risk-Weight Assets
14.48
15.29
16.55
20.57
14.64
Total RBC to Risk-Weight Assets
15.91
16.62
17.74
21.43
15.84
Cash Dividends to Net Income
2.67
15.25
22.55
18.64
18.59
Growth Rates
Total Assets
4.23
6.69
14.71
7.77
10.87
Tier One Capital
-3.57
1.32
2.19
11.11
11.25
Net Loans & Leases
0.72
8.91
28.70
12.73
12.61
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State
26727 BANK OF SOUTH TEXAS MCALLEN TX
26725 EUROBANK BOCA RATON FL
19919 BANCO BILBAO VIZCAYA ARGENTARIA PUERTO RICO SAN JUAN PR
25679 INTERNATIONAL BANK OF COMMERCE BROWNSVILLE TX
31469 ORIENTAL BANK AND TRUST SAN JUAN PR
26363 COMMUNITY COMMERCE BANK CLAREMONT CA
24961 INTERNATIONAL BANK OF COMMERCE ZAPATA TX
3337 TEXAS NATIONAL BANK MERCEDES TX
30387 FIRSTBANK PUERTO RICO SAN JUAN PR
31762 GREATER SOUTH TEXAS BANK FALFURRIAS TX
23749 MISSION NATIONAL BANK SAN FRANCISCO CA
32185 R-G PREMIER BANK OF PUERTO RICO SAN JUAN PR
26856 FALCON INTERNATIONAL BANK LAREDO TX
23772 COMMERCE BANK LAREDO TX
20448 PAN AMERICAN BANK LOS ANGELES CA
24156 OCEAN BANK MIAMI FL
19040 BANK OF MIAMI, NATIONAL ASSOCIATION, THE CORAL GABLES FL
22946 SCOTIABANK DE PUERTO RICO HATO REY PR
21265 BAC FLORIDA BANK MIAMI FL
31027 WESTERNBANK PUERTO RICO MAYAGUEZ PR
19904 CENTINEL BANK OF TAOS TAOS NM
22657 CITIZENS STATE BANK ROMA TX
20828 BANCO SANTANDER PUERTO RICO SAN JUAN PR
21578 CONTINENTAL NATIONAL BANK OF MIAMI MIAMI FL
24347 LONE STAR NATIONAL BANK PHARR TX
24823 INTERNATIONAL FINANCE BANK MIAMI FL
34968 BANCO POPULAR DE PUERTO RICO SAN JUAN PR
25580 TRANSATLANTIC BANK MIAMI FL
19629 INTERNATIONAL BANK OF COMMERCE LAREDO TX
20711 EXECUTIVE NATIONAL BANK MIAMI FL
27150 EUROBANK SAN JUAN PR
33616 MY BANK BELEN NM
34967 BANCO POPULAR NORTH AMERICA NEW YORK NY
35065 UNITED AMERICAS BANK, NATIONAL ASSOCIATION ATLANTA GA
57119 UNITED BANK OF EL PASO DEL NORTE EL PASO TX
57083 PLUS INTERNATIONAL BANK MIAMI FL
35599 UNION CREDIT BANK MIAMI FL
57214 INTERCONTINENTAL BANK WEST MIAMI FL
57369 U.S. CENTURY BANK MIAMI FL
57915 BANK OF GROVE GROVE OK
58082 LIBERTAD BANK, SSB AUSTIN TX
58305 PLAZA BANK SEATTLE WA
58252 SONORAN BANK, N.A. PHOENIX AZ
58349 PROMERICA BANK LOS ANGELES CA
58360 AMERICAS UNITED BANK GLENDALE CA
58390 SANTA ANA BUSINESS BANK SANTA ANA CA

Data compiled from the FFIEC website External Link on September 14, 2010.

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