Peer Data

Hispanic Banks (As of December 31, 2013)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	39	8	31
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.69	0.81	0.76
Noninterest Expense	3.38	4.99	3.17
Provision: Loan & Lease Losses	0.21	0.02	0.34
Realized Gains/Losses Sec	0.02	0.06	0.01
Net Operating Income	0.55	-0.36	0.83
Net Income	0.55	-0.36	0.83
Margin Analysis
Avg Earning Assets to Avg Assets	92.57	92.22	92.88
Net Int Inc-TE to Avg Earning Assets	3.94	4.14	3.95
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.53	0.38	0.70
LN & LS Allowance to Total LN & LS	1.99	2.13	2.07
Noncurrent Loans to Total Loans	3.28	5.00	3.49
Liquidity
Net Noncore Fund Dependence	9.86	5.56	12.04
Net Loans & Leases to Assets	61.01	59.71	62.07
Capitalization
Tier 1 Leverage Capital	10.49	8.49	11.24
Tier 1 RBC to Risk-Weight Assets	17.74	15.40	18.77
Total RBC to Risk-Weight Assets	18.92	16.48	19.98
Cash Dividends to Net Income	8.93	22.53	8.62
Growth Rates
Total Assets	0.29	-0.43	0.91
Tier 1 Capital	3.38	-11.64	6.78
Net Loans & Leases	1.58	-2.83	3.47

Banks in Selected Peer Group
FRB ID RSSD	Institution Name	City	State
3488980	AMERICAS UNITED BANK	GLENDALE	CA
3358252	AZTECAMERICA BANK	BERWYN	IL
725732	BAC FLORIDA BANK	CORAL GABLES	FL
940311	BANCO POPULAR DE PUERTO RICO	SAN JUAN	PR
2736291	BANCO POPULAR NORTH AMERICA	NEW YORK	NY
816210	BANCO SANTANDER PUERTO RICO	SAN JUAN	PR
3402913	BANESCO USA	CORAL GABLES	FL
3286999	BANK OF GROVE	GROVE	OK
49858	BANK OF SOUTH TEXAS	MCALLEN	TX
800853	CENTINEL BANK OF TAOS	TAOS	NM
804860	CITIZENS STATE BANK	ROMA	TX
625159	COMMERCE BANK	LAREDO	TX
299868	COMMUNITY COMMERCE BANK	CLAREMONT	CA
837037	CONTINENTAL NATIONAL BANK OF MIAMI	MIAMI	FL
1002430	EXECUTIVE NATIONAL BANK	MIAMI	FL
564557	FALCON INTERNATIONAL BANK	LAREDO	TX
803461	FINANCE AND THRIFT COMPANY	PORTERVILLE	CA
510871	FIRSTBANK PUERTO RICO	SAN JUAN	PR
518877	GREATER STATE BANK	FALFURRIAS	TX
221775	INTERAMERICAN BANK, A FEDERAL SAVINGS BANK	MIAMI	FL
3122828	INTERCONTINENTAL BANK	WEST MIAMI	FL
230759	INTERNATIONAL BANK OF COMMERCE	BROWNSVILLE	TX
382069	INTERNATIONAL BANK OF COMMERCE	ZAPATA	TX
1001152	INTERNATIONAL BANK OF COMMERCE	LAREDO	TX
867632	INTERNATIONAL FINANCE BANK	MIAMI	FL
842460	LONE STAR NATIONAL BANK	PHARR	TX
1972298	MY BANK	BELEN	NM
663834	OCEAN BANK	MIAMI	FL
245276	ORIENTAL BANK	SAN JUAN	PR
641364	PAN AMERICAN BANK	LOS ANGELES	CA
3447875	PLAZA BANK	SEATTLE	WA
3049729	PLUS INTERNATIONAL BANK	MIAMI	FL
897170	PONCE DE LEON FEDERAL BANK	BRONX	NY
3462074	PROAMERICA BANK	LOS ANGELES	CA
716413	SCOTIABANK DE PUERTO RICO	HATO REY	PR
497954	TEXAS NATIONAL BANK	MERCEDES	TX
3146150	U.S. CENTURY BANK	MIAMI	FL
2942823	UNITED BANK OF EL PASO DEL NORTE	EL PASO	TX
218261	ZAPATA NATIONAL BANK	ZAPATA	TX

Data compiled from the FFIEC website on March 14, 2014.