Peer Data

Native American Banks (As of December 31, 2012)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	18	9	9
Earnings and Profitability: Percent of Average Assets
Noninterest Income	1.39	0.82	1.95
Noninterest Expense	4.05	3.75	4.35
Provision: Loan & Lease Losses	0.35	0.35	0.36
Realized Gains/Losses Sec	0.09	0.11	0.07
Net Operating Income	0.90	0.81	0.98
Net Income	0.91	0.81	1.01
Margin Analysis
Avg Earning Assets to Avg Assets	91.82	92.39	91.25
Net Int Inc-TE to Avg Earning Assets	4.38	4.44	4.32
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.45	0.61	0.28
LN & LS Allowance to Total LN & LS	2.03	1.99	2.06
Noncurrent Loans to Total Loans	2.49	1.70	3.28
Liquidity
Net Noncore Fund Dependence	5.31	2.23	8.39
Net Loans & Leases to Assets	60.54	61.01	60.07
Capitalization
Tier One Leverage Capital	10.14	10.36	9.92
Tier One RBC to Risk-Weight Assets	16.58	18.20	14.96
Total RBC to Risk-Weight Assets	17.71	19.27	16.16
Cash Dividends to Net Income	45.42	46.53	44.32
Growth Rates
Total Assets	4.61	3.02	6.19
Tier One Capital	6.05	9.24	2.86
Net Loans & Leases	6.18	8.19	4.16

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
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 on December 31, 2012.