Peer Data

Native American Banks (As of September 30, 2009)
	09/30/2009	09/30/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	21	21	21	21	20
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.08	0.89	0.93	0.99	1.03
NONINTEREST EXPENSE	4.28	4.21	4.11	4.36	4.11
PROVISION LOAN & LEASE LOSSES	0.99	0.57	0.72	0.19	0.17
REALIZED GAINS/LOSSES SEC	0.03	0.01	0.02	-0.00	-0.00
NET OPERATING INCOME	-0.08	0.39	0.13	0.77	0.82
NET INCOME	-0.19	0.39	0.13	0.77	1.02
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	91.35	91.24	91.34	90.46	91.43
NET INT INC-TE TO AVG EARNING ASSET	4.36	4.60	4.57	4.84	4.83
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.97	0.42	0.68	0.20	0.16
LN & LS ALLOWANCE TO TOTAL LN & LS	1.57	1.31	1.37	1.10	1.15
NON-CUR LN & LS TO GROSS LN & LS	2.47	1.77	2.23	0.73	1.18
Liquidity
NET NONCORE FUND DEPENDENCE	21.02	18.28	23.01	11.77	15.96
NET LOANS & LEASES TO ASSETS	64.39	63.30	65.63	62.65	64.49
Capitalization
TIER ONE LEVERAGE CAPITAL	10.06	10.86	10.53	11.89	11.11
TIER ONE RBC TO RISK-WEIGHT ASSETS	14.73	16.38	15.89	17.93	16.95
TOTAL RBC TO RISK-WEIGHT ASSETS	15.82	17.74	16.97	18.94	17.95
CASH DIVIDENDS TO NET INCOME	25.04	39.35	53.63	37.71	34.69
Growth Rates
ASSETS	4.99	9.90	8.85	7.18	8.23
TIER ONE CAPITAL	-1.30	4.17	1.06	4.98	7.63
NET LOANS & LEASES	11.29	9.57	14.93	6.93	15.27

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
422	Bank of Commerce	Stilwell	OK	74960	Adair
1417	Woodlands National Bank	Hinckley	MN	55037	Pine
2320	Peoples Bank	Westville	OK	74965	Adair
2327	Bank of Cherokee County	Hulbert	OK	74441	Cherokee
4051	AllNations Bank	Calumet	OK	73014	Canadian
4180	First State Bank of Porter	Porter	OK	74454	Wagoner
4624	American Bank of Baxter Springs	Baxter Springs	KS	66713	Cherokee
11521	Bank 2	Oklahoma City	OK	73108	Oklahoma
12761	Farmers & Merchants Bank	Crescent	OK	73028	Logan
15611	Oklahoma State Bank	Vinita	OK	74301	Craig
20568	Lumbee Guaranty Bank	Pembroke	NC	28372	Robeson
21090	Fort Gibson State Bank	Fort Gibson	OK	74434	Muskogee
24080	Borrego Springs Bank, National Association	La Mesa	CA	91941	San Diego
25738	First National Bank and Trust Company	Shawnee	OK	74802	Pottawatomie
27026	Native American Bank, National Association	Denver	CO	80202	Denver
27421	F & M Bank, National Association, Oklahoma City, Oklahoma	Yukon	OK	73099	Canadian
34052	Bay Bank	Green Bay	WI	54313	Brown
34146	People's Bank of Seneca	Seneca	MO	64865	Newton
34692	Canyon National Bank	Palm Springs	CA	92264	Riverside
58282	Eagle Bank	Polson	MT	59860	Lake
58586	Turtle Mountain State Bank	Belcourt	ND	58316	Rolette