Metropolitan Companies

Tulsa, OK · Charter 7680

Q4 1996

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 1996, the quarter ended December 31, 1996, 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 7680

Q4 1996

$4.0MAssets

$2.7MLoans

$3.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.49%+6 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	3.68%	3.43%	3.67%	3.02%	3.51%	3.49%	+6 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-5.76%	-6.49%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	11.58%	5.35%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-3.68%	-2.96%	n/a
Asset Quality
Delinquent Loans / Loans	1.60%	2.43%	2.62%	5.03%	5.51%	4.56%	+213 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.00%	1.89%	1.49%	3.49%	2.02%	2.87%	+97 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	67.84%	67.87%	77.71%	72.94%	78.59%	73.69%	+581 bps
Liquid Assets / Assets	4.50%	1.63%	10.18%	9.93%	2.51%	6.42%	+479 bps