Peer Data

Native American Banks (As of December 31, 2016)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	18	7	11
Earnings and Profitability: Percent of Average Assets
Noninterest Income	1.21	1.05	1.32
Noninterest Expense	3.73	3.73	3.73
Provision: Loan & Lease Losses	0.21	0.38	0.11
Realized Gains/Losses Sec	0.00	-0.01	0.01
Net Operating Income	0.95	0.73	1.08
Net Income	0.95	0.73	1.08
Margin Analysis
Avg Earning Assets to Avg Assets	92.84	91.77	93.53
Net Int Inc-TE to Avg Earning Assets	4.23	4.29	4.19
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.35	0.70	0.12
LN & LS Allowance to Total LN & LS	1.40	1.54	1.55
Noncurrent Loans to Total Loans	1.48	1.93	1.20
Liquidity
Net Noncore Fund Dependence	2.87	-0.73	5.17
Net Loans & Leases to Assets	62.00	59.01	63.91
Capitalization
Tier One Leverage Capital	10.36	10.42	10.32
Tier One RBC to Risk-Weight Assets	17.42	16.52	18.00
Total RBC to Risk-Weight Assets	18.51	17.46	19.17
Cash Dividends to Net Income	30.04	31.03	29.41
Growth Rates
Total Assets	4.58	0.57	7.13
Tier One Capital	6.38	2.75	8.69
Net Loans & Leases	7.12	2.40	10.12

FDIC CERT #	FRB ID_RSSD	Bank Name	City	State
4051	146056	ALLNATIONS BK	CALUMET	OK
2327	815754	BANK OF CHEROKEE CTY	HULBERT	OK
422	322850	BANK OF CMRC	STILWELL	OK
11521	64552	BANK2	OKLAHOMA CITY	OK
34052	2329200	BAY BK	GREEN BAY	WI
58282	3346633	EAGLE BK	POLSON	MT
12761	163857	F&M BK	EDMOND	OK
25738	396253	FIRST NB&TC	SHAWNEE	OK
14331	296456	FIRSTBANK	ANTLERS	OK
21090	186856	FORT GIBSON ST BK	FORT GIBSON	OK
20568	651121	LUMBEE GUARANTY BK	PEMBROKE	NC
27026	664653	NATIVE AMER BK NA	DENVER	CO
15611	285759	OKLAHOMA ST BK	VINITA	OK
2320	539452	PEOPLES BK	WESTVILLE	OK
34146	2396592	PEOPLES BK	SENECA	MO
252	365745	PINNACLE BK	MARSHALLTOWN	IA
58586	3626184	TURTLE MTN ST BK	BELCOURT	ND
1417	980951	WOODLANDS NB	HINCKLEY	MN