PackageTrendsPeer
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Burlington Bank and Trust

Burlington, IA · Cert 11760

FDIC

Q2 2009

$315.5MAssets
$198.9MLoans
$230.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.88%, down 73 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.32% of deposits as of Q2 2009.

Return on Assets (YTD, annualized)

0.88%-73 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets1.21%1.04%1.43%1.61%1.53%1.50%1.10%0.88%-73 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)3.37%24.11%20.65%19.83%15.64%-3.21%12.12%12.70%-713 bps
Loan Growth (YoY)-2.72%9.48%4.81%11.28%16.75%7.13%5.36%4.43%-685 bps
Deposit Growth (YoY)19.32%31.11%23.10%11.50%13.75%-4.50%8.93%12.23%+74 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits89.22%81.61%82.76%92.77%91.57%91.54%80.05%86.32%-645 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a