Peer Data

Native American Banks: $100M & Over (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	8	8	8	8	8
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.34	1.40	1.30	2.49	2.21
NONINTEREST EXPENSE	4.32	4.34	4.25	4.80	4.38
PROVISION LOAN & LEASE LOSSES	1.11	0.33	0.24	0.24	0.31
REALIZED GAINS/LOSSES SEC	0.01	0.00	-0.02	-0.01	-0.01
NET OPERATING INCOME	-0.07	0.83	0.61	1.19	1.07
NET INCOME	-0.07	0.83	1.42	1.19	1.07
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	92.55	91.93	91.87	91.13	91.62
NET INT INC-TE TO AVG EARN ASSET	4.52	4.82	4.75	4.77	4.37
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.98	0.48	0.24	0.31	0.27
LN&LS ALLOWANCE TO TOTAL LN&LS	1.68	1.29	1.34	1.40	1.46
NON-CUR LN&LS TO GROSS LN&LS	3.83	1.68	2.77	1.97	1.65
Liquidity
NET NON CORE FUND DEPENDENCE	21.99	19.93	18.77	13.71	13.40
NET LOANS & LEASES TO ASSETS	67.67	69.10	69.21	65.37	66.05
Capitalization
TIER ONE LEVERAGE CAPITAL	10.03	11.09	10.82	10.33	9.60
TIER ONE RBC TO RISK-WGT ASSETS	13.66	14.84	15.30	15.07	14.52
TOTAL RBC TO RISK-WEIGHT ASSETS	14.90	15.94	16.40	16.20	15.67
CASH DIVIDENDS TO NET INCOME	13.62	26.06	25.09	21.74	26.23
Growth Rates
ASSETS	12.20	4.15	10.69	7.55	7.84
TIER ONE CAPITAL	0.40	6.13	18.31	13.10	12.14
NET LOANS & LEASES	9.28	3.89	20.20	8.25	17.21

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
1417	Woodlands National Bank	Hinckley	MN	55037	Pine
4624	American Bank of Baxter Springs	Baxter Springs	KS	66713	Cherokee
12761	Farmers & Merchants Bank	Crescent	OK	73028	Logan
20568	Lumbee Guaranty Bank	Pembroke	NC	28372	Robeson
24080	Borrego Springs Bank, National Association	La Mesa	CA	91941	San Diego
25738	First National Bank and Trust Company	Shawnee	OK	74802	Pottawatomie
34052	Bay Bank	Green Bay	WI	54313	Brown
34692	Canyon National Bank	Palm Springs	CA	92264	Riverside