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First United Bancshares Inc.

Eldorado, Ark.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $8.4 $7.3

Per share 0.33 0.29

ROA 1.33% 1.32%

ROE 13.01% 13.33%

Net interest margin 4.36% 4.46%

Net interest income 25.6 24.7

Noninterest income 4.7 4.1

Noninterest expense 16.7 16.4

Year to Date 1999 1998

Net income $16.5 $15.4

Per share 0.65 0.61

ROA 1.33% 1.32%

ROE 13.01% 13.33%

Balance Sheet 6/30/99 6/30/98

Assets $2,536.8 $2,410.1

Deposits 2,123.8 2,051.1

Loans 1,350.1 1,276.2

Golden West Financial Corp.

Oakland, Calif.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $122.4 $117.0

Per share 2.17 2.01

ROA 1.28% 1.19%

ROE 15.42% 16.31%

Net interest margin 2.59% 2.43%

Net interest income 248.5 239.2

Noninterest income 42.5 43.1

Noninterest expense 96.0 87.0

Year to Date 1999 1998

Net income $242.8 $227.0

Per share 4.28 3.91

ROA 1.27% 1.15%

ROE 15.37% 16.13%

Balance Sheet 6/30/99 6/30/98

Assets $38,027.0 $39,067.2

Deposits 26,335.7 24,993.7

Loans 35,488.9 36,720.9

BOK Financial Corp.

Tulsa, Okla.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $22.1 $21.6

Per share 0.41 0.40

ROA 1.20% 1.53%

ROE 16.27% 18.40%

Net interest margin 3.60% 3.79%

Net interest income 56.6 46.5

Noninterest income 49.4 44.9

Noninterest expense 70.7 55.2

Year to Date 1999 1998

Net income $43.3 $39.2

Per share 0.80 0.72

ROA 1.21% 1.38%

ROE 16.21% 16.97%

Balance Sheet 6/30/99 6/30/98

Assets $7,992.4 $5,939.5

Deposits 5,017.9 4,131.0

Loans 4,054.4 2,916.4 ===

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