E S H Employees

Vinita, OK · Charter 12502

Q4 1997

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: Q4 1997, the quarter ended December 31, 1997, 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.

Vinita, OK · Charter 12502

Q4 1997

$2.8MAssets

$1.5MLoans

$2.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.10%-53 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	2.95%	3.28%	3.69%	3.63%	3.95%	3.83%	2.61%	3.10%	-53 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	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-14.72%	-5.43%	-1.66%	-5.51%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-28.20%	-5.47%	11.50%	35.20%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-16.27%	-7.63%	-2.57%	-5.13%	n/a
Asset Quality
Delinquent Loans / Loans	5.22%	4.77%	6.43%	2.92%	3.90%	5.46%	1.88%	2.14%	-78 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	1.39%	1.50%	2.33%	2.11%	2.71%	2.68%	1.69%	1.90%	-21 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	49.20%	49.22%	49.67%	44.97%	42.19%	50.37%	56.84%	64.08%	+1,911 bps
Liquid Assets / Assets	55.38%	55.71%	52.09%	54.92%	61.57%	52.24%	51.04%	44.10%	-1,082 bps