Peer Data

Native American Banks: $100M & Over (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	9	9	9	9	9
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.36	1.43	1.34	1.25	2.33
NONINTEREST EXPENSE	4.41	4.30	4.35	4.32	4.95
PROVISION LOAN & LEASE LOSSES	1.15	0.29	0.31	0.23	0.24
REALIZED GAINS/LOSSES SEC	0.01	-0.00	0.00	-0.02	-0.01
NET OPERATING INCOME	-0.05	0.96	0.91	0.62	1.03
NET INCOME	-0.05	0.96	0.91	1.34	1.03
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	93.08	92.22	92.18	92.11	91.39
NET INT INC-TE TO AVG EARN ASSET	4.50	4.88	4.86	4.81	4.86
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.90	0.40	0.43	0.20	0.31
LN&LS ALLOWANCE TO TOTAL LN&LS	1.64	1.29	1.25	1.31	1.35
NON-CUR LN&LS TO GROSS LN&LS	3.07	1.58	1.68	2.63	1.97
Liquidity
NET NON CORE FUND DEPENDENCE	21.89	22.15	23.00	20.58	14.83
NET LOANS & LEASES TO ASSETS	68.42	70.21	71.16	70.72	67.05
Capitalization
TIER ONE LEVERAGE CAPITAL	10.48	11.01	11.05	10.87	10.89
TIER ONE RBC TO RISK-WGT ASSETS	15.24	15.64	15.71	16.21	16.44
TOTAL RBC TO RISK-WEIGHT ASSETS	16.41	16.78	16.83	17.29	17.58
CASH DIVIDENDS TO NET INCOME	3.34	-4.85	23.16	22.30	19.32
Growth Rates
ASSETS	12.38	3.29	6.04	13.38	8.31
TIER ONE CAPITAL	4.56	6.59	6.58	16.96	15.80
NET LOANS & LEASES	8.28	4.60	6.59	22.26	9.45

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
CANYON NATIONAL BANK	2713582	34692	294,545
LUMBEE GUARANTY BANK	651121	20568	231,118
FIRST NATIONAL BANK&TRUST CO	396253	25738	176,109
BORREGO SPRINGS BANK NA	962265	24080	131,548
FARMERS&MERCHANTS BANK	163857	12761	131,051
WOODLANDS NATIONAL BANK	980951	1417	118,546
AMERICAN BK BAXTER SPRINGS	1002953	4624	112,775
NATIVE AMERICAN BANK NA	664653	27026	107,225
BAY BANK	2329200	34052	106,973
TOTAL ASSETS	-	-	1,409,890