E S E O

Oklahoma City, OK · Charter 3172

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 3172

Q4 1998

$24.7MAssets

$19.9MLoans

$22.4MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.33%-236 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	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	3.69%	2.91%	2.97%	3.43%	1.33%	-236 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	1.99%	6.78%	-4.28%	-6.21%	-9.74%	-1,173 bps
Loan Growth (YoY)	10.82%	8.93%	6.74%	0.26%	-15.33%	-2,616 bps
Share Growth (YoY)	4.21%	8.12%	-3.71%	-4.51%	-5.64%	-985 bps
Asset Quality
Delinquent Loans / Loans	2.17%	1.90%	2.74%	2.33%	2.04%	-13 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.10%	1.27%	1.37%	1.39%	2.09%	+99 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	99.00%	92.74%	98.14%	92.85%	88.83%	-1,017 bps
Liquid Assets / Assets	4.87%	10.36%	5.59%	10.43%	10.96%	+609 bps