Native American Banks (As of June 30, 2015)
Asset Size

All

Under $100M

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

18

8

10
Earnings and Profitability: Percent of Average Assets
Noninterest Income

1.08

0.88

1.24
Noninterest Expense

3.62

3.63

3.61
Provision: Loan & Lease Losses

0.15

0.11

0.18
Realized Gains/Losses Sec

0.02

0.03

0.02
Net Operating Income

0.87

0.73

0.98
Net Income

0.87

0.73

0.98
Margin Analysis
Avg Earning Assets to Avg Assets

92.33

91.91

92.66
Net Int Inc-TE to Avg Earning Assets

4.07

3.96

4.16
Loan & Lease Analysis
Net Loss to Average Total LN & LS

0.24

0.19

0.28
LN & LS Allowance to Total LN & LS

1.56

1.68

1.47
Noncurrent Loans to Total Loans

1.83

2.85

1.02
Liquidity
Net Noncore Fund Dependence

3.03

0.02

5.43
Net Loans & Leases to Assets

58.90

59.02

58.81
Capitalization
Tier One Leverage Capital

9.93

10.05

9.83
Tier One RBC to Risk-Weight Assets

16.85

17.25

16.54
Total RBC to Risk-Weight Assets

17.97

18.25

17.74
Cash Dividends to Net Income

35.02

30.43

38.69
Growth Rates
Total Assets

7.86

6.73

8.76
Tier One Capital

9.99

9.18

10.64
Net Loans & Leases

7.89

9.07

6.94
FRB ID RSSD Bank Name City State
146056 ALLNATIONS BK CALUMET OK
815754 BANK OF CHEROKEE CTY HULBERT OK
322850 BANK OF CMRC STILWELL OK
64552 BANK2 OKLAHOMA CITY OK
2329200 BAY BK GREEN BAY WI
3346633 EAGLE BK POLSON MT
163857 F&M BK EDMOND OK
396253 FIRST NB&TC SHAWNEE OK
296456 FIRSTBANK ANTLERS OK
186856 FORT GIBSON ST BK FORT GIBSON OK
651121 LUMBEE GUARANTY BK PEMBROKE NC
664653 NATIVE AMER BK NA DENVER CO
285759 OKLAHOMA ST BK VINITA OK
539452 PEOPLES BK WESTVILLE OK
2396592 PEOPLES BK SENECA MO
365745 PINNACLE BK MARSHALLTOWN IA
3626184 TURTLE MTN ST BK BELCOURT ND
980951 WOODLANDS NB HINCKLEY MN

Data compiled from the FFIEC website on September 3, 2015.

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