Peer Data

Hispanic Banks (as of December 31, 2014)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	41	6	35
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.74	0.68	0.76
Noninterest Expense	3.46	4.86	3.32
Provision: Loan & Lease Losses	0.16	0.06	0.20
Realized Gains/Losses Sec	0.01	0.02	0.01
Net Operating Income	0.63	-0.25	0.70
Net Income	0.63	-0.25	0.70
Margin Analysis
Avg Earning Assets to Avg Assets	92.60	92.12	92.71
Net Int Inc-TE to Avg Earn Assets	4.06	4.42	4.02
Loan & Lease Analysis
Net Loss to Average Total LN&LS	0.33	0.11	0.41
LN&LS Allowance to Total LN&LS	1.82	2.15	1.86
Noncurrent Loans to Total Loans	2.44	2.04	2.67
Liquidity
Net Noncore Fund Dependence	10.09	3.16	11.42
Net Loans & Leases to Assets	62.38	62.61	61.70
Capitalization
Tier One Leverage Capital	11.38	11.03	11.68
Tier One RBC to Risk-Wgt Assets	19.22	19.24	19.41
Total RBC to Risk-Weight Assets	20.38	20.33	20.58
Cash Dividends to Net Income	14.38	26.75	13.82
Growth Rates
Total Assets	2.47	1.09	3.45
Tier One Capital	6.43	75.50	5.68
Net Loans & Leases	4.39	6.45	3.97

Banks in Selected Peer Group
FRB ID RSSD	Institution Name	City	State
3488980	AMERICAS UNITED BK	GLENDALE	CA
725732	BAC FL BK	CORAL GABLES	FL
940311	BANCO POPULAR DE PR	SAN JUAN	PR
2736291	BANCO POPULAR N AMER	NEW YORK	NY
816210	BANCO SANTANDER PR	SAN JUAN	PR
3402913	BANESCO USA	CORAL GABLES	FL
3286999	BANK OF GROVE	GROVE	OK
49858	BANK SOUTH TX	MCALLEN	TX
800853	CENTINEL BK OF TAOS	TAOS	NM
804860	CITIZENS ST BK	ROMA	TX
625159	COMMERCE BK	LAREDO	TX
3189063	COMMERCIAL BK OF CALIFORNIA	IRVINE	CA
299868	COMMUNITY CMRC BK	CLAREMONT	CA
837037	CONTINENTAL NB	MIAMI	FL
1002430	EXECUTIVE NB	MIAMI	FL
564557	FALCON INTL BK	LAREDO	TX
803461	FINANCE & THRIFT CO	PORTERVILLE	CA
510871	FIRSTBANK PR	SAN JUAN	PR
518877	GREATER ST BK	FALFURRIAS	TX
221775	INTERAMERICAN BK FSB	MIAMI	FL
3122828	INTERCONTINENTAL BK	WEST MIAMI	FL
382069	INTERNATIONAL BK CMRC	ZAPATA	TX
1001152	INTERNATIONAL BK OF CMRC	LAREDO	TX
230759	INTERNATIONAL BK OF CMRC	BROWNSVILLE	TX
867632	INTERNATIONAL FNC BK	MIAMI	FL
842460	LONE STAR NB	PHARR	TX
1972298	MY BK	BELEN	NM
663834	OCEAN BK	MIAMI	FL
245276	ORIENTAL BK	SAN JUAN	PR
641364	PAN AMER BK	LOS ANGELES	CA
3447875	PLAZA BK	SEATTLE	WA
3049729	PLUS INTL BK	MIAMI	FL
897170	PONCE DE LEON FED BK	BRONX	NY
3462074	PROAMERICA BK	LOS ANGELES	CA
956750	RIO BK	MCALLEN	TX
716413	SCOTIABANK DE PR	HATO REY	PR
497954	TEXAS NB	MERCEDES	TX
790534	TOTALBANK	MIAMI	FL
2942823	UNITED BK OF EL PASO DEL NORTE	EL PASO	TX
3146150	US CENTURY BK	MIAMI	FL
218261	ZAPATA NB	ZAPATA	TX

Data compiled from the FFIEC website on March 11, 2015.