Liberty NB&T Co. of Indiana

Charlestown, IN · Cert 14549

FDIC

Q4 1995

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 1995, the quarter ended December 31, 1995, 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.

Charlestown, IN · Cert 14549

FDIC

Q4 1995

$330.5MAssets

$132.6MLoans

$299.1MDeposits

n/aEquity

NIM decomposition not available for this institution

Non-interest trend not available for this institution

Return on Assets (YTD, annualized)

1.31%+74 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1994	Q1 1995	Q2 1995	Q3 1995	Q4 1995	YoY Δ	Trend
Earnings
Return on Assets	0.57%	1.37%	1.29%	1.31%	1.31%	+74 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	4.69%	7.99%	8.12%	2.64%	n/a
Loan Growth (YoY)	n/a	41.00%	36.37%	31.35%	-24.00%	n/a
Deposit Growth (YoY)	n/a	1.89%	2.41%	5.06%	1.54%	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	59.22%	80.64%	77.54%	72.95%	44.32%	-1,490 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a