Horizon

Decatur, IL · Charter 64273

Q4 2000

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 2000, the quarter ended December 31, 2000, 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.

Decatur, IL · Charter 64273

Q4 2000

$20.2MAssets

$14.5MLoans

$17.8MShares

$2.3MNet Worth

Return on Assets (YTD, annualized)

-0.70%-407 bps YoY

Net Interest Margin (YTD, annualized)

4.17%

Efficiency Ratio (YTD, annualized)

106.54%

Net Worth / Assets

11.52%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	2.88%	3.09%	3.06%	3.37%	3.13%	0.03%	-0.11%	-0.70%	-407 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-6.05%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.82%	3.82%	4.17%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	94.69%	95.06%	106.54%	n/a
Growth
Asset Growth (YoY)	-8.38%	-5.83%	-4.25%	-4.93%	-4.62%	1.55%	-7.91%	-6.86%	-193 bps
Loan Growth (YoY)	-0.12%	-0.12%	1.20%	-8.64%	0.82%	-2.16%	-9.56%	-4.49%	+415 bps
Share Growth (YoY)	-10.15%	-7.11%	-5.80%	-6.46%	-5.91%	1.20%	-8.98%	-7.10%	-65 bps
Asset Quality
Delinquent Loans / Loans	0.39%	0.41%	0.44%	0.61%	0.40%	0.69%	0.39%	0.23%	-38 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.71%	0.66%	0.69%	0.72%	0.55%	0.73%	0.64%	0.53%	-19 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	11.52%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	11.52%	n/a	n/a
Liquidity & Funding
Loans / Shares	74.87%	75.28%	75.36%	79.18%	80.22%	72.78%	74.87%	81.41%	+222 bps
Liquid Assets / Assets	21.09%	22.72%	23.31%	21.87%	21.71%	9.97%	3.18%	16.33%	-554 bps