PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hillsboro Community

Hillsboro, IL · Charter 65721

Q2 1998

$294KAssets
$188KLoans
$266KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.40%, down 55 bps year over year.
  • Asset quality: problem loans at 9.65% of loans (+890 bps YoY).
  • Funding: loans stand at 70.50% of shares as of Q2 1998.

Financial Results

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.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets0.95%1.39%1.70%2.01%0.40%-55 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)5.63%-5.36%-8.96%-11.14%-23.25%-2,888 bps
Loan Growth (YoY)0.86%-12.64%-12.68%-19.46%-12.06%-1,292 bps
Share Growth (YoY)3.71%-6.22%-10.42%-14.68%-24.79%-2,849 bps
Asset Quality
Delinquent Loans / Loans0.75%0.40%0.37%4.56%9.65%+890 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.27%2.96%2.82%3.41%3.56%+128 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares60.30%73.99%64.71%84.51%70.50%+1,020 bps
Liquid Assets / Assets34.01%18.71%34.80%12.09%30.97%-304 bps