Peer Data

Native American Banks (as of September 30, 2008)
	09/30/2008	09/30/2007	12/31/2007	12/31/2006	12/31/2005
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	21	20	21	20	19
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.89	1.05	0.99	1.03	1.57
NONINTEREST EXPENSE	4.21	3.96	4.36	4.11	4.41
PROVISION LOAN & LEASE LOSSES	0.57	0.20	0.19	0.17	0.15
REALIZED GAINS/LOSSES SEC	0.01	-0.02	-0.00	-0.00	-0.00
NET OPERATING INCOME	0.39	1.10	0.77	0.82	1.06
NET INCOME	0.39	1.10	0.77	1.02	1.06
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	91.24	91.60	90.46	91.43	91.16
NET INT INC-TE TO AVG EARNING ASSET	4.60	4.87	4.84	4.83	4.83
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.42	0.15	0.20	0.16	0.21
LN & LS ALLOWANCE TO TOTAL LN & LS	1.31	1.17	1.10	1.15	1.31
NON-CUR LN & LS TO GROSS LN & LS	1.77	0.73	0.73	1.18	1.36
Liquidity
NET NONCORE FUND DEPENDENCE	18.28	19.94	11.77	15.96	15.48
NET LOANS & LEASES TO ASSETS	63.30	64.69	62.65	64.49	62.11
Capitalization
TIER ONE LEVERAGE CAPITAL	10.86	11.14	11.89	11.11	10.92
TIER ONE RBC TO RISK-WEIGHT ASSETS	16.38	16.79	17.93	16.95	17.04
TOTAL RBC TO RISK-WEIGHT ASSETS	17.74	17.85	18.94	17.95	18.09
CASH DIVIDENDS TO NET INCOME	39.35	37.05	37.71	34.69	35.13
Growth Rates
ASSETS	9.90	6.90	7.18	8.23	7.59
TIER ONE CAPITAL	4.17	4.80	4.98	7.63	9.57
NET LOANS & LEASES	9.57	6.34	6.93	15.27	6.80

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
CANYON NATIONAL BANK	2713582	34692	294,545
LUMBEE GUARANTY BANK	651121	20568	231,118
FIRST NATIONAL BANK & TRUST CO	396253	25738	176,109
BORREGO SPRINGS BANK NA	962265	24080	131,548
FARMERS & MERCHANTS BANK	163857	12761	131,051
WOODLANDS NATIONAL BANK	980951	1417	118,546
AMERICAN BK BAXTER SPRINGS	1002953	4624	112,775
NATIVE AMERICAN BANK NA	664653	27026	107,225
BAY BANK	2329200	34052	106,973
BANK OF CHEROKEE COUNTY	815754	2327	96,070
BANK 2	64552	11521	89,358
OKLAHOMA STATE BANK	285759	15611	86,579
BANK OF COMMERCE	322850	422	84,810
F&M BANK NA OK CITY OK	1357466	27421	84,273
PEOPLES BANK OF SENECA	2396592	34146	71,066
FORT GIBSON STATE BANK	186856	21090	58,456
PEOPLES BANK	539452	2320	47,210
FIRST STATE BANK OF PORTER	521251	4180	34,715
ALLNATIONS BANK	146056	4051	20,871
EAGLE BANK	3346633	58282	17,552
TURTLE MOUNTAIN STATE BANK	3626184	58586	7,099
TOTAL ASSETS	-	-	2,107,949