Peer Data

Hispanic Banks (As of September 30, 2016)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	37	5	32
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.71	0.75	0.70
Noninterest Expense	3.23	3.97	3.11
Provision: Loan & Lease Losses	0.19	0.49	0.16
Realized Gains/Losses Sec	0.04	0.18	0.03
Net Operating Income	0.68	0.38	0.72
Net Income	0.68	0.38	0.72
Margin Analysis
Avg Earning Assets to Avg Assets	92.37	89.38	92.86
Net Int Inc-TE to Avg Earning Assets	3.96	4.32	3.90
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.32	1.05	0.26
LN & LS Allowance to Total LN & LS	1.68	1.93	1.64
Noncurrent Loans to Total Loans	1.85	0.51	2.07
Liquidity
Net Noncore Fund Dependence	7.49	12.95	7.00
Net Loans & Leases to Assets	63.87	62.98	64.04
Capitalization
Tier One Leverage Capital	11.61	11.82	11.57
Tier One RBC to Risk-Weight Assets	18.37	19.57	18.17
Total RBC to Risk-Weight Assets	19.54	20.80	19.33
Cash Dividends to Net Income	22.92	-180.72	26.74
Growth Rates
Total Assets	2.70	-5.70	3.94
Tier One Capital	4.81	-1.28	5.82
Net Loans & Leases	8.76	11.35	8.33

FDIC CERT #	FRB ID_RSSD	Bank Name	City	State
58360	3488980	AMERICAS UNITED BK	GLENDALE	CA
21265	725732	BAC FL BK	CORAL GABLES	FL
34968	940311	BANCO POPULAR DE PR	SAN JUAN	PR
34967	2736291	BANCO POPULAR N AMER	NEW YORK	NY
20828	816210	BANCO SANTANDER PR	SAN JUAN	PR
57815	3402913	BANESCO USA	CORAL GABLES	FL
57915	3286999	BANK OF GROVE	GROVE	OK
26727	49858	BANK OF SOUTH TX	MCALLEN	TX
19904	800853	CENTINEL BK OF TAOS	TAOS	NM
22657	804860	CITIZENS ST BK	ROMA	TX
23772	625159	COMMERCE BK	LAREDO	TX
57417	3189063	COMMERCIAL BK OF CALIFORNIA	IRVINE	CA
26363	299868	COMMUNITY CMRC BK	CLAREMONT	CA
21578	837037	CONTINENTAL NB	MIAMI	FL
20711	1002430	EXECUTIVE NB	MIAMI	FL
26856	564557	FALCON INTL BK	LAREDO	TX
30387	510871	FIRSTBANK PR	SAN JUAN	PR
31762	518877	GREATER ST BK	FALFURRIAS	TX
31823	221775	INTERAMERICAN BK FSB	MIAMI	FL
57214	3122828	INTERCONTINENTAL BK	WEST MIAMI	FL
19629	1001152	INTERNATIONAL BK OF CMRC	LAREDO	TX
24961	382069	INTERNATIONAL BK OF CMRC	ZAPATA	TX
25679	230759	INTERNATIONAL BK OF CMRC	BROWNSVILLE	TX
24823	867632	INTERNATIONAL FNC BK	MIAMI	FL
24347	842460	LONE STAR NB	PHARR	TX
33616	1972298	MY BK	BELEN	NM
24156	663834	OCEAN BK	MIAMI	FL
31469	245276	ORIENTAL BK	SAN JUAN	PR
58305	3447875	PLAZA BK	SEATTLE	WA
57083	3049729	PLUS INTL BK	MIAMI	FL
31189	897170	PONCE DE LEON FED BK	BRONX	NY
25886	956750	RIO BK	MCALLEN	TX
22946	716413	SCOTIABANK DE PR	HATO REY	PR
3337	497954	TEXAS NB	MERCEDES	TX
57119	2942823	UNITED BK OF EL PASO DEL NORTE	EL PASO	TX
57369	3146150	US CENTURY BK	MIAMI	FL
18454	218261	ZAPATA NB	ZAPATA	TX