Native American Banks (As of September 30, 2012)
Asset Size

All

Under $100M

Over $100M
Peer Group Information
Number of Banks in Peer Group

19

10

9
Earnings and Profitability: Percent of Average Assets
Noninterest Income

1.00

0.80

1.77
Noninterest Expense

3.73

3.63

4.32
Provision: Loan & Lease Losses

0.24

0.25

0.32
Realized Gains/Losses Sec

0.06

0.10

0.06
Net Operating Income

0.76

0.84

0.85
Net Income

0.78

0.84

0.87
Margin Analysis
Avg Earning Assets to Avg Assets

91.65

92.68

91.00
Net Int Inc-TE to Avg Earning Assets

4.18

4.30

4.32
Loan & Lease Analysis
Net Loss to Average Total LN & LS

0.28

0.54

0.28
LN & LS Allowance to Total LN & LS

1.88

2.11

2.00
Noncurrent Loans to Total Loans

1.94

1.75

3.39
Liquidity
Net Noncore Fund Dependence

1.79

-0.88

8.77
Net Loans & Leases to Assets

58.48

59.44

59.75
Capitalization
Tier One Leverage Capital

10.06

10.59

10.02
Tier One RBC to Risk-Weight Assets

15.96

18.03

14.97
Total RBC to Risk-Weight Assets

17.12

19.19

16.14
Cash Dividends to Net Income

30.84

46.60

32.15
Growth Rates
Total Assets

3.45

2.57

15.77
Tier One Capital

6.54

9.49

11.47
Net Loans & Leases

2.41

4.57

13.70
Banks in Selected Peer Group
FRB ID RSSD Institution Name City State
146056 ALLNATIONS BANK CALUMET OK
815754 BANK OF CHEROKEE COUNTY HULBERT OK
322850 BANK OF COMMERCE STILWELL OK
64552 BANK2 OKLAHOMA CITY OK
2329200 BAY BANK GREEN BAY WI
962265 BORREGO SPRINGS BANK, NATIONAL ASSOCIATION LA MESA CA
3468450 CENTERAL BANK TAMPA FL
3346633 EAGLE BANK POLSON MT
163857 F&M BANK EDMOND OK
396253 FIRST NATIONAL BANK AND TRUST COMPANY SHAWNEE OK
521251 FIRST STATE BANK OF PORTER PORTER OK
186856 FORT GIBSON STATE BANK FORT GIBSON OK
651121 LUMBEE GUARANTY BANK PEMBROKE NC
664653 NATIVE AMERICAN BANK, NATIONAL ASSOCIATION DENVER CO
285759 OKLAHOMA STATE BANK VINITA OK
539452 PEOPLES BANK WESTVILLE OK
2396592 PEOPLE'S BANK OF SENECA SENECA MO
3626184 TURTLE MOUNTAIN STATE BANK BELCOURT ND
980951 WOODLANDS NATIONAL BANK HINCKLEY MN

Data compiled from the FFIEC website External Link on September 30, 2012.

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