Peer Data

Native American Banks: Under $100M (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	12	11	12	11	10
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.82	0.97	0.89	0.92	0.88
NONINTEREST EXPENSE	4.52	4.19	17.25	5.34	3.93
PROVISION LOAN & LEASE LOSSES	0.28	0.16	0.14	0.13	0.06
REALIZED GAINS/LOSSES SEC	0.02	-0.01	0.00	0.00	0.00
NET OPERATING INCOME	0.11	0.80	-12.38	-0.44	1.09
NET INCOME	0.11	0.80	-12.38	-0.44	1.09
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	89.05	89.54	87.94	88.34	90.95
NET INT INC-TE TO AVG EARNING ASSET	4.70	4.91	4.87	4.85	4.81
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.20	0.02	0.07	0.09	0.12
LN & LS ALLOWANCE TO TOTAL LN & LS	1.18	1.17	1.02	1.06	1.28
NON-CUR LN & LS TO GROSS LN & LS	1.09	0.47	0.58	0.65	0.82
Liquidity
NET NONCORE FUND DEPENDENCE	12.67	10.73	-60.84	11.88	16.06
NET LOANS & LEASES TO ASSETS	57.64	58.70	53.16	57.04	57.67
Capitalization
TIER ONE LEVERAGE CAPITAL	13.49	12.51	19.92	14.71	10.96
TIER ONE RBC TO RISK-WEIGHT ASSETS	23.71	20.15	37.96	22.94	17.58
TOTAL RBC TO RISK-WEIGHT ASSETS	24.59	21.11	38.79	23.78	18.55
CASH DIVIDENDS TO NET INCOME	90.35	52.64	51.14	51.12	49.36
Growth Rates
ASSETS	17.10	12.74	13.07	6.73	6.95
TIER ONE CAPITAL	3.58	3.34	3.73	3.91	3.97
NET LOANS & LEASES	20.04	76.00	23.36	14.59	4.42

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
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	-	-	698,059