Peer Data

Hispanic Banks: Under $100M (as of September 30, 2008)
	09/30/2008	09/30/2007	12/31/2007	12/31/2006	12/31/2005
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	13	12	13	10	7
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	2.56	2.92	2.73	3.80	5.98
NONINTEREST EXPENSE	8.39	198.86	46.11	13.85	7.68
PROVISION LOAN & LEASE LOSSES	1.11	0.34	0.62	0.35	0.16
REALIZED GAINS/LOSSES SEC	0.10	0.00	-0.01	-0.01	0.00
NET OPERATING INCOME	-3.02	-179.83	-34.73	-5.70	1.34
NET INCOME	-3.02	-179.83	-34.73	-5.70	1.45
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	90.55	93.15	90.10	90.02	88.78
NET INT INC-TE TO AVG EARNING ASSET	4.45	15.19	10.90	5.33	4.46
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.71	0.16	0.20	0.08	0.41
LN & LS ALLOWANCE TO TOTAL LN & LS	2.27	1.06	1.30	1.09	1.71
NON-CUR LN & LS TO GROSS LN & LS	2.92	1.46	1.17	1.63	3.81
Liquidity
NET NONCORE FUND DEPENDENCE	23.90	-695.97	-34.07	-110.01	21.15
NET LOANS & LEASES TO ASSETS	62.93	54.52	54.41	50.77	48.67
Capitalization
TIER ONE LEVERAGE CAPITAL	24.32	81.96	54.41	32.53	15.39
TIER ONE RBC TO RISK-WEIGHT ASSETS	46.51	78.03	67.87	70.31	38.19
TOTAL RBC TO RISK-WEIGHT ASSETS	47.60	78.88	68.71	71.18	39.35
CASH DIVIDENDS TO NET INCOME	1.96	3.42	10.45	-5.68	25.50
Growth Rates
ASSETS	10.98	33.47	31.64	10.44	6.24
TIER ONE CAPITAL	-4.89	2.28	0.19	11.02	14.17
NET LOANS & LEASES	559.18	244.45	166.49	39.00	6.12

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
PLUS INTERNATIONAL BANK	3049729	57083	99,600
PLAZA BANK	3447875	58305	84,203
BANK OF SOUTH TEXAS	49858	26727	77,176
BANCO POPULAR NATIONAL ASSN	2845166	35208	76,272
PROMERICA BANK	3462074	58349	71,693
TEXAS NATIONAL BANK	497954	3337	66,917
CITIZENS STATE BANK	804860	22657	64,811
BANK OF GROVE	3286999	57915	45,995
GREATER SOUTH TEXAS BANK	518877	31762	41,415
PAN AMERICAN BANK	641364	20448	40,472
SONORAN BANK N A	3450950	58252	32,279
NUESTRO BANCO	3610576	58550	18,134
SANTA ANA BUSINESS BANK	3640283	58390	14,839
TOTAL ASSETS	-	-	797,873