Peer Data

Native American Banks: Under $100M (As of September 30, 2009)
	09/30/2009	09/30/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	12	12	12	12	11
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.10	0.82	0.84	0.89	0.92
NONINTEREST EXPENSE	4.39	4.52	4.60	17.25	5.34
PROVISION LOAN & LEASE LOSSES	0.43	0.28	0.47	0.14	0.13
REALIZED GAINS/LOSSES SEC	0.04	0.02	0.02	0.00	0.00
NET OPERATING INCOME	0.33	0.11	0.00	-12.38	-0.44
NET INCOME	0.24	0.11	0.00	-12.38	-0.44
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	90.25	89.05	89.64	87.94	88.34
NET INT INC-TE TO AVG EARN ASSET	4.59	4.70	4.69	4.87	4.85
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.53	0.20	0.52	0.07	0.09
LN&LS ALLOWANCE TO TOTAL LN&LS	1.13	1.18	1.09	1.02	1.06
NON-CUR LN&LS TO GROSS LN&LS	1.02	1.09	1.45	0.58	0.65
Liquidity
NET NON CORE FUND DEPENDENCE	11.77	12.67	19.86	-60.84	11.88
NET LOANS & LEASES TO ASSETS	60.50	57.64	61.28	53.16	57.04
Capitalization
TIER ONE LEVERAGE CAPITAL	11.03	13.49	12.72	19.92	14.71
TIER ONE RBC TO RISK-WGT ASSETS	16.56	23.71	20.22	37.96	22.94
TOTAL RBC TO RISK-WEIGHT ASSETS	17.53	24.59	21.13	38.79	23.78
CASH DIVIDENDS TO NET INCOME	36.54	90.35	91.50	51.14	51.12
Growth Rates
ASSETS	14.03	17.10	10.69	13.07	6.73
TIER ONE CAPITAL	1.82	3.58	1.21	3.73	3.91
NET LOANS & LEASES	37.38	20.04	1,319.95	23.36	14.59

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
422	Bank of Commerce	Stilwell	OK	74960	Adair
2320	Peoples Bank	Westville	OK	74965	Adair
2327	Bank of Cherokee County	Hulbert	OK	74441	Cherokee
4051	AllNations Bank	Calumet	OK	73014	Canadian
4180	First State Bank of Porter	Porter	OK	74454	Wagoner
11521	Bank 2	Oklahoma City	OK	73108	Oklahoma
15611	Oklahoma State Bank	Vinita	OK	74301	Craig
21090	Fort Gibson State Bank	Fort Gibson	OK	74434	Muskogee
27421	F & M Bank, National Association, Oklahoma City, Oklahoma	Yukon	OK	73099	Canadian
34146	People's Bank of Seneca	Seneca	MO	64865	Newton
58282	Eagle Bank	Polson	MT	59860	Lake
58586	Turtle Mountain State Bank	Belcourt	ND	58316	Rolette