Franklin Life Employees

Springfield, IL · Charter 65752

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.

Springfield, IL · Charter 65752

Q4 1996

$2.2MAssets

$1.6MLoans

$1.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.35%-33 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	3.03%	3.68%	3.38%	4.05%	3.07%	3.35%	-33 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	-24.61%	-31.88%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-4.94%	-23.63%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-28.31%	-38.57%	n/a
Asset Quality
Delinquent Loans / Loans	0.69%	0.41%	0.48%	0.46%	1.48%	2.72%	+230 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.05%	0.58%	0.44%	0.47%	0.62%	0.56%	-2 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	63.25%	72.95%	72.57%	87.53%	83.87%	90.69%	+1,774 bps
Liquid Assets / Assets	40.75%	31.11%	22.81%	14.47%	26.20%	23.21%	-790 bps