Phillips O. C. District

Oklahoma City, OK · Charter 2361

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Oklahoma City, OK · Charter 2361

Q4 1998

$1.9MAssets

$982KLoans

$1.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.77%-55 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	2.70%	3.32%	3.41%	3.33%	2.81%	2.77%	2.71%	2.77%	-55 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	-44.19%	-41.16%	-34.27%	-23.94%	-15.69%	-9.69%	+3,147 bps
Loan Growth (YoY)	n/a	n/a	4.91%	-3.21%	-21.22%	-31.47%	-33.41%	-36.30%	-3,309 bps
Share Growth (YoY)	n/a	n/a	-51.09%	-48.40%	-40.44%	-29.52%	-19.72%	-13.35%	+3,504 bps
Asset Quality
Delinquent Loans / Loans	3.75%	1.00%	0.78%	0.59%	0.81%	1.53%	1.75%	1.40%	+81 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	0.40%	0.43%	0.08%	0.20%	0.31%	0.35%	0.45%	0.68%	+48 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	64.20%	79.75%	90.30%	101.20%	84.92%	77.54%	74.90%	74.41%	-2,680 bps
Liquid Assets / Assets	44.06%	33.23%	22.71%	17.16%	29.25%	37.30%	44.06%	40.43%	+2,327 bps