Oklahoma Postal Employees

Ardmore, OK · Charter 64173

Q4 1999

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 1999, the quarter ended December 31, 1999, 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.

Ardmore, OK · Charter 64173

Q4 1999

$366KAssets

$330KLoans

$300KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-0.02%-296 bps YoY

Net Interest Margin (YTD, annualized)

7.56%

Efficiency Ratio (YTD, annualized)

91.82%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	2.94%	2.37%	2.33%	2.12%	-0.02%	-296 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	7.56%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	91.82%	n/a	n/a
Growth
Asset Growth (YoY)	-1.22%	-2.07%	-16.38%	-11.32%	-19.48%	-1,826 bps
Loan Growth (YoY)	10.61%	-7.63%	-13.50%	-17.98%	-15.20%	-2,581 bps
Share Growth (YoY)	0.26%	-1.05%	-18.95%	-10.36%	-22.16%	-2,242 bps
Asset Quality
Delinquent Loans / Loans	4.39%	1.39%	2.47%	2.13%	5.27%	+88 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.19%	0.20%	0.48%	0.50%	1.04%	-15 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	100.97%	102.93%	108.38%	100.12%	110.01%	+904 bps
Liquid Assets / Assets	2.89%	0.00%	2.64%	2.68%	3.10%	+20 bps