Peer Data

Native American Banks: $100M & Over (Year-End 2009)
	12/31/2009	12/31/2008	12/31/2007	12/31/2006	12/31/2005
Peer Group Information
Number of Banks in Peer Group	8	8	8	8	8
Earnings and Profitability: Percent of Average Assets
Noninterest Income	1.78	1.34	1.40	1.30	2.50
Noninterest Expense	4.68	4.32	4.34	4.25	4.80
Provision: Loan & Lease Losses	2.45	1.11	0.33	0.24	0.24
Realized Gains/Losses Sec	0.03	0.01	0.00	-0.02	-0.01
Net Operating Income	-1.07	-0.07	0.83	0.61	1.19
Net Income	-1.07	-0.07	0.83	1.42	1.19
Margin Analysis
Avg Earning Assets to Avg Assets	91.87	92.55	91.93	91.87	91.13
Net Int Inc-TE to Avg Earning Assets	4.31	4.51	4.82	4.75	4.77
Loan & Lease Analysis
Net Loss to Average Total LN & LS	2.28	0.98	0.48	0.24	0.31
LN & LS Allowance to Total LN & LS	2.75	1.68	1.29	1.34	1.40
Noncurrent Loans to Total Loans	5.33	3.83	1.68	2.77	1.97
Liquidity
Net Noncore Fund Dependence	25.32	21.99	19.93	18.77	13.71
Net Loans & Leases to Assets	66.55	67.67	69.10	69.21	65.37
Capitalization
Tier One Leverage Capital	9.26	10.03	11.09	10.82	10.33
Tier One RBC to Risk-Weight Assets	12.65	13.66	14.84	15.30	15.07
Total RBC to Risk-Weight Assets	13.90	14.90	15.94	16.40	16.19
Cash Dividends to Net Income	3.92	13.62	26.05	25.09	21.74
Growth Rates
Total Assets	-0.76	12.20	4.15	10.69	7.55
Tier One Capital	-8.52	0.40	6.13	18.30	13.10
Net Loans & Leases	-2.71	9.28	3.89	20.20	8.25

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State
12761	FARMERS & MERCHANTS BANK	CRESCENT	OK
25738	FIRST NATIONAL BANK AND TRUST COMPANY	SHAWNEE	OK
20568	LUMBEE GUARANTY BANK	PEMBROKE	NC
24080	BORREGO SPRINGS BANK, NATIONAL ASSOCIATION	LA MESA	CA
1417	WOODLANDS NATIONAL BANK	HINCKLEY	MN
4624	AMERICAN BANK OF BAXTER SPRINGS	BAXTER SPRINGS	KS
34052	BAY BANK	GREEN BAY	WI
34692	CANYON NATIONAL BANK	PALM SPRINGS	CA

Data compiled from the FFIEC website on September 14, 2010.