Peer Data

Hispanic Banks: Under $100M (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	11	11	11	9	6
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.63	0.53	0.60	0.91	0.78
Noninterest Expense	5.74	6.44	43.25	12.97	4.52
Provision: Loan & Lease Losses	1.17	0.91	0.57	0.41	0.14
Realized Gains/Losses Sec	0.12	-0.10	-0.02	0.00	0.00
Net Operating Income	-2.15	-2.49	-33.14	-7.04	0.33
Net Income	-2.42	-2.49	-33.14	-7.04	0.33
Margin Analysis
Avg Earning Assets to Avg Assets	92.33	91.97	92.31	93.10	91.24
Net Int Inc-TE to Avg Earning Assets	4.43	4.59	11.43	5.51	4.83
Loan & Lease Analysis
Net Loss to Average Total LN & LS	1.36	0.83	0.14	0.07	0.43
LN & LS Allowance to Total LN & LS	1.74	1.50	1.18	1.14	1.67
Noncurrent Loans to Total Loans	3.14	2.77	1.49	1.50	3.58
Liquidity
Net Noncore Fund Dependence	29.28	25.68	10.43	-115.00	16.75
Net Loans & Leases to Assets	66.98	67.71	61.81	58.36	53.11
Capitalization
Tier One Leverage Capital	12.56	16.83	50.82	29.16	12.05
Tier One RBC to Risk-Weight Assets	18.52	24.52	42.97	55.99	23.60
Total RBC to Risk-Weight Assets	19.96	25.92	44.14	56.83	24.71
Cash Dividends to Net Income	6.62	20.16	12.36	-6.30	29.76
Growth Rates
Total Assets	12.49	15.88	44.70	16.60	1.11
Tier One Capital	0.82	-4.05	-2.63	14.95	11.77
Net Loans & Leases	12.65	123.17	215.03	54.12	0.90

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State
26727	BANK OF SOUTH TEXAS	MCALLEN	TX
26725	EUROBANK	BOCA RATON	FL
3337	TEXAS NATIONAL BANK	MERCEDES	TX
31762	GREATER SOUTH TEXAS BANK	FALFURRIAS	TX
20448	PAN AMERICAN BANK	LOS ANGELES	CA
22657	CITIZENS STATE BANK	ROMA	TX
57915	BANK OF GROVE	GROVE	OK
58082	LIBERTAD BANK, SSB	AUSTIN	TX
58252	SONORAN BANK, N.A.	PHOENIX	AZ
58349	PROMERICA BANK	LOS ANGELES	CA
58390	SANTA ANA BUSINESS BANK	SANTA ANA	CA

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