Peer Analysis

Data for trailing four quarters

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Performance Ratios (%)		MFSF	Peer Median	Peer Average
	ROAA	0.54	0.52	(0.01)
	ROAE	5.65	5.91	(21.98)
	Net Interest Margin	3.07	3.24	3.25
	Efficiency Ratio	71.41	76.48	72.33
	Loans / Deposits	83.23	86.95	86.86

Asset Quality Ratios (%)
	NPAs / Assets	2.64	4.66	4.68
	NCOs / Avg Loans	0.65	0.79	1.33
	Reserves / Loans	1.63	2.17	2.56
	Reserves / NPAs	42.80	42.13	40.47

Capital Ratios (%)
	Tier 1 Capital	13.64	15.08	13.48
	Tangible Equity / Tangible Assets	9.78	10.00	9.62
	Total Equity / Total Assets	9.92	10.00	9.73

Market Ratios
	Price / Earnings (x)	15.81	15.00	15.15
	Price / Book (%)	89.55	105.91	106.07
	Dividend Yield (%)	1.71	0.43	1.24

MutualFirst Financial, Inc.'s peer group consists of the following: BankFinancial Corporation (BFIN), CFS Bancorp, Inc. (CITZ), Citizens First Bancorp, Inc. (CTZN), HF Financial Corp. (HFFC), HMN Financial, Inc. (HMNF), HopFed Bancorp, Inc. (HFBC), NASB Financial, Inc. (NASB), Pulaski Financial Corp. (PULB), PVF Capital Corp. (PVFC), Waterstone Financial, Inc. (MHC) (WSBF)

MutualFirst Financial, Inc.'s financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013 except for these companies:

Citizens First Bancorp, Inc.'s financial data is as of 12/31/2009.


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