Oklahoma Dairymen's

Oklahoma City, OK · Charter 8476

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 8476

Q4 1998

$6.5MAssets

$2.6MLoans

$5.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.20%-146 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.06%	4.55%	4.33%	4.66%	4.61%	4.82%	3.52%	3.20%	-146 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	-14.36%	-9.68%	0.43%	3.23%	3.26%	-1.82%	+786 bps
Loan Growth (YoY)	n/a	n/a	81.71%	117.22%	113.43%	46.52%	14.71%	-17.00%	-13,422 bps
Share Growth (YoY)	n/a	n/a	-16.14%	-9.69%	-0.19%	3.16%	4.08%	-0.52%	+917 bps
Asset Quality
Delinquent Loans / Loans	2.43%	2.17%	2.10%	0.92%	0.31%	1.92%	0.40%	6.11%	+519 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	3.18%	1.91%	1.83%	1.62%	1.11%	0.88%	1.39%	3.56%	+195 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	26.92%	39.95%	46.76%	54.76%	57.57%	56.74%	51.53%	45.69%	-907 bps
Liquid Assets / Assets	50.16%	36.92%	39.28%	31.05%	24.61%	23.41%	17.04%	24.28%	-677 bps