Green Country

Sand Springs, OK · Charter 60316

Q2 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: Q2 1998, the quarter ended June 30, 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.

Sand Springs, OK · Charter 60316

Q2 1998

$21.8MAssets

$11.6MLoans

$19.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.83%-39 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.32%	4.33%	4.61%	4.21%	4.44%	3.78%	3.82%	3.83%	-39 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	-7.80%	-12.85%	-8.35%	-4.46%	-2.96%	+484 bps
Loan Growth (YoY)	n/a	n/a	n/a	3.97%	-1.85%	-6.76%	-8.09%	-8.41%	-1,238 bps
Share Growth (YoY)	n/a	n/a	n/a	-10.09%	-15.50%	-10.25%	-6.92%	-4.17%	+592 bps
Asset Quality
Delinquent Loans / Loans	3.39%	4.08%	2.07%	1.65%	1.32%	1.31%	1.83%	0.84%	-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	3.60%	3.62%	2.58%	2.30%	2.08%	1.65%	1.54%	1.54%	-76 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	54.31%	59.72%	62.71%	61.77%	63.08%	62.04%	61.93%	59.04%	-273 bps
Liquid Assets / Assets	23.32%	21.01%	18.20%	29.91%	30.68%	27.58%	29.92%	36.60%	+669 bps