Hillsboro Community

Hillsboro, IL · Charter 65721

Q2 1998

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: Q2 1998, the quarter ended June 30, 1998, 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.

Hillsboro, IL · Charter 65721

Q2 1998

$294KAssets

$188KLoans

$266KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.40%-55 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	1.20%	2.44%	3.45%	0.95%	1.39%	1.70%	2.01%	0.40%	-55 bps
Return on Equity	n/a	n/a	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	n/a	n/a
Efficiency Ratio	n/a	n/a	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	5.63%	-5.36%	-8.96%	-11.14%	-23.25%	-2,888 bps
Loan Growth (YoY)	n/a	n/a	n/a	0.86%	-12.64%	-12.68%	-19.46%	-12.06%	-1,292 bps
Share Growth (YoY)	n/a	n/a	n/a	3.71%	-6.22%	-10.42%	-14.68%	-24.79%	-2,849 bps
Asset Quality
Delinquent Loans / Loans	0.60%	1.87%	1.26%	0.75%	0.40%	0.37%	4.56%	9.65%	+890 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	1.03%	1.73%	1.86%	2.27%	2.96%	2.82%	3.41%	3.56%	+128 bps
Capital
Risk-Based Capital	n/a	n/a	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	n/a	n/a
Liquidity & Funding
Loans / Shares	79.43%	66.38%	89.53%	60.30%	73.99%	64.71%	84.51%	70.50%	+1,020 bps
Liquid Assets / Assets	19.89%	29.69%	11.26%	34.01%	18.71%	34.80%	12.09%	30.97%	-304 bps