Duncan Tosco

Duncan, OK · Charter 11321

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Duncan, OK · Charter 11321

Q2 2000

$1.1MAssets

$780KLoans

$835KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.80%-350 bps YoY

Net Interest Margin (YTD, annualized)

4.64%

Efficiency Ratio (YTD, annualized)

78.17%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.37%	4.62%	4.55%	4.30%	4.24%	3.88%	0.88%	0.80%	-350 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	4.44%	4.64%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	75.56%	78.17%	n/a
Growth
Asset Growth (YoY)	9.81%	9.51%	7.01%	4.97%	7.02%	12.55%	10.11%	1.87%	-310 bps
Loan Growth (YoY)	18.58%	25.47%	11.02%	2.21%	10.63%	1.82%	0.08%	-1.93%	-413 bps
Share Growth (YoY)	10.41%	9.89%	6.83%	4.03%	6.98%	13.84%	10.54%	0.19%	-384 bps
Asset Quality
Delinquent Loans / Loans	0.07%	2.24%	2.23%	2.23%	2.24%	1.45%	2.90%	0.99%	-124 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	1.28%	1.25%	1.20%	1.24%	0.92%	1.20%	1.23%	0.94%	-29 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	96.08%	98.76%	104.64%	95.49%	99.36%	88.33%	94.74%	93.47%	-202 bps
Liquid Assets / Assets	19.36%	17.83%	15.32%	23.12%	15.66%	26.62%	9.23%	9.43%	-1,369 bps