Onecu

Tulsa, OK · Charter 24587

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.

Tulsa, OK · Charter 24587

Q2 2000

$32.7MAssets

$26.1MLoans

$29.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.34%-399 bps YoY

Net Interest Margin (YTD, annualized)

4.11%

Efficiency Ratio (YTD, annualized)

90.19%

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	4.45%	4.63%	4.29%	4.33%	4.10%	3.91%	0.05%	0.34%	-399 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	4.08%	4.11%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	95.81%	90.19%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	15.34%	9.12%	1.17%	-0.16%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	18.71%	13.46%	11.12%	4.77%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	12.14%	9.08%	3.53%	-0.55%	n/a
Asset Quality
Delinquent Loans / Loans	2.13%	1.50%	1.55%	1.15%	0.94%	0.89%	0.78%	0.67%	-48 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	1.93%	1.78%	1.28%	1.45%	1.27%	1.19%	1.00%	0.97%	-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	86.01%	86.37%	85.94%	82.85%	91.05%	89.84%	92.23%	87.29%	+443 bps
Liquid Assets / Assets	14.28%	15.96%	18.06%	14.16%	12.90%	10.52%	7.67%	13.80%	-35 bps