Ideal

Ada, OK · Charter 10117

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Ada, OK · Charter 10117

Q2 2001

$1.9MAssets

$1.6MLoans

$1.8MShares

$48KNet Worth

Return on Assets (YTD, annualized)

2.14%-315 bps YoY

Net Interest Margin (YTD, annualized)

4.20%

Efficiency Ratio (YTD, annualized)

49.11%

Net Worth / Assets

2.58%

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	6.60%	5.88%	6.03%	5.29%	-4.32%	-8.23%	-5.09%	2.14%	-315 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	-327%	83.10%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.18%	2.87%	3.13%	4.20%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	62.15%	83.88%	67.95%	49.11%	n/a
Growth
Asset Growth (YoY)	40.59%	40.78%	26.05%	17.88%	5.95%	-16.17%	-9.72%	-12.07%	-2,995 bps
Loan Growth (YoY)	40.38%	30.91%	24.30%	17.38%	-4.45%	-3.96%	-6.32%	-5.34%	-2,273 bps
Share Growth (YoY)	41.75%	42.46%	26.04%	17.68%	10.90%	-9.80%	-0.91%	-4.94%	-2,262 bps
Asset Quality
Delinquent Loans / Loans	1.66%	2.51%	1.85%	1.67%	19.36%	9.62%	7.49%	4.96%	+329 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.23%	1.25%	0.89%	1.14%	4.72%	5.78%	6.20%	6.13%	+498 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	1.56%	2.58%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	1.56%	2.58%	n/a
Liquidity & Funding
Loans / Shares	98.20%	90.79%	96.57%	91.23%	84.60%	96.65%	91.30%	90.84%	-39 bps
Liquid Assets / Assets	6.16%	8.57%	6.50%	9.48%	14.31%	6.02%	6.04%	14.91%	+543 bps