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Peer Data

Hispanic Banks: Under $100M (Year-End 2008)
 
12/31/2008
12/31/2007
12/31/2006
12/31/2005
12/31/2004
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
12
12
9
6
6
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.44
0.46
0.72
0.74
0.72
NONINTEREST EXPENSE
7.26
48.10
12.92
4.49
4.32
PROVISION LOAN & LEASE LOSSES
1.39
0.66
0.38
0.18
0.22
REALIZED GAINS/LOSSES SEC
-0.08
-0.01
-0.01
0.01
0.04
NET OPERATING INCOME
-3.92
-38.13
-7.06
0.40
0.53
NET INCOME
-3.92
-38.13
-7.06
0.40
0.53
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
91.87
91.52
91.85
91.33
91.73
NET INT INC-TE TO AVG EARNING ASSET
4.56
11.57
5.67
4.89
4.92
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
1.48
0.14
0.08
0.46
0.60
LN & LS ALLOWANCE TO TOTAL LN & LS
1.86
1.17
1.05
1.56
1.71
NON-CUR LN & LS TO GROSS LN & LS
3.36
1.14
1.77
4.44
3.56
Liquidity
NET NONCORE FUND DEPENDENCE
26.53
-37.60
-124.55
23.38
24.65
NET LOANS & LEASES TO ASSETS
67.78
57.79
53.74
54.38
54.21
Capitalization
TIER ONE LEVERAGE CAPITAL
20.36
55.25
32.04
12.14
11.11
TIER ONE RBC TO RISK-WEIGHT ASSETS
33.70
63.50
67.84
29.12
31.98
TOTAL RBC TO RISK-WEIGHT ASSETS
34.78
64.32
68.69
30.27
33.16
CASH DIVIDENDS TO NET INCOME
13.97
11.33
-6.31
29.76
63.99
Growth Rates
ASSETS
12.98
33.99
11.24
3.20
4.09
TIER ONE CAPITAL
-8.73
-1.35
9.90
12.38
1.07
NET LOANS & LEASES
143.00
183.71
35.35
4.45
1.32
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
3337 Texas National Bank Mercedes TX 78570 Hidalgo
20448 Pan American Bank Los Angeles CA 90022 Los Angeles
22657 Citizens State Bank Roma TX 78584 Starr
26727 Bank of South Texas Mcallen TX 78504 Hidalgo
31762 Greater South Texas Bank Falfurrias TX 78355 Brooks
57083 Plus International Bank Miami FL 33131 Miami-dade
57915 Bank of Grove Grove OK 74344 Delaware
58252 Sonoran Bank, N.A. Phoenix AZ 85014 Maricopa
58305 Plaza Bank Seattle WA 98101 King
58349 PROMERICA Bank Los Angeles CA 90017 Los Angeles
58390 Santa Ana Business Bank Santa Ana CA 92701 Orange
58550 Nuestro Banco Raleigh NC 27603 Wake

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