Peer Data

Native American Banks (as of September 30, 2014)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	19	9	10
Earnings and Profitability: Percent of Average Assets
Noninterest Income	1.18	1.06	1.28
Noninterest Expense	3.84	3.90	3.79
Provision: Loan & Lease Losses	0.13	0.08	0.17
Realized Gains/Losses Sec	0.01	0.02	0.00
Net Operating Income	1.02	1.06	0.98
Net Income	1.03	1.06	1.00
Margin Analysis
Avg Earning Assets to Avg Assets	91.53	90.74	92.25
Net Int Inc-TE to Avg Earn Assets	4.39	4.48	4.31
Loan & Lease Analysis
Net Loss to Average Total LN&LS	0.24	0.21	0.26
LN&LS Allowance to Total LN&LS	1.72	1.88	2.08
Noncurrent Loans to Total Loans	1.63	2.05	1.25
Liquidity
Net Noncore Fund Dependence	0.00	-4.42	3.98
Net Loans & Leases to Assets	58.50	58.02	58.92
Capitalization
Tier One Leverage Capital	9.96	10.19	9.75
Tier One RBC to Risk-Wgt Assets	16.28	17.98	14.76
Total RBC to Risk-Weight Assets	17.43	19.08	15.95
Cash Dividends to Net Income	30.53	29.64	31.34
Growth Rates
Total Assets	7.67	7.43	7.89
Tier One Capital	5.33	3.01	7.41
Net Loans & Leases	7.71	4.32	10.76

Banks in Selected Peer Group
FRB ID RSSD	Institution 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
521251	FIRST ST BK PORTER	PORTER	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 January 6, 2015.