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Hillsboro State Bank

Hillsboro, KS · Cert 14084

FDIC · 1 branch

Q1 2022

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: Q1 2022, the quarter ended March 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hillsboro State Bank

Hillsboro, KS · Cert 14084

FDIC · 1 branch

Q1 2022

$22.7MAssets
$6.0MLoans
$21.1MDeposits
$1.5MEquity
Loan mix
64%RE $3.3M33%C&I $1.7M2%Consumer $0.1MQ1 2021Q1 2022
Deposit mix
81%Interest-bearing $17.1M19%Noninterest $4.0MQ1 2021Q1 2022

NIM

3.51%Q1 ’202.53%Q1 ’214.20%Q1 ’22-20%+69%

Non-interest income vs. expense

3.00%Q1 ’202.44%Q1 ’212.18%Q1 ’22-12%-9%

Executive Summary

  • Earnings: ROA of 1.45%, up 116 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.00% of loans (-1,238 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.12%, up 70 bps from a year ago.
  • Funding: loans stand at 28.41% of deposits as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

1.45%+116 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+167 bps YoY

Efficiency Ratio (YTD, annualized)

49.02%-3,626 bps YoY

Tier 1 Leverage Ratio

9.12%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.30%0.38%0.49%0.48%1.45%+116 bps
Return on Equity3.48%4.50%5.69%5.59%19.62%+1,614 bps
Net Interest Margin2.40%2.43%2.67%2.49%4.07%+167 bps
Efficiency Ratio85.28%82.22%78.00%79.91%49.02%-3,626 bps
Non-Interest Burden1.98%1.91%1.99%1.91%1.81%-17 bps
Growth
Asset Growth (YoY)23.98%5.29%3.04%3.53%-3.66%-2,764 bps
Loan Growth (YoY)-13.76%-19.91%-12.42%-13.06%-18.03%-427 bps
Deposit Growth (YoY)27.61%6.65%4.14%4.63%-2.34%-2,995 bps
Asset Quality
Nonperforming Loans / Loans12.38%15.53%12.07%11.27%0.00%-1,238 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.50%2.69%2.56%2.77%3.10%+60 bps
Allowance Coverage of NPLs0.2x0.2x0.2x0.2xn/an/a
Capital
Tier 1 Leverage Ratio8.42%7.99%9.13%8.77%9.12%+70 bps
Total Risk-Based Capital21.25%21.11%9.13%21.99%9.12%-1,213 bps
Equity / Assets8.07%8.50%8.97%8.20%6.61%-145 bps
Liquidity & Funding
Loans / Deposits33.85%33.01%37.39%31.98%28.41%-544 bps
Liquid Assets / Assets38.77%35.43%33.12%27.77%31.78%-699 bps
CRE / Total Capitaln/an/an/an/an/an/an/a