Burlington, IA · Cert 28495
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Burlington, IA · Cert 28495
FDIC
Q4 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.76% | 0.78% | 0.73% | 0.84% | +2 bps | |
| Return on Equity | n/a | 6.71% | 6.89% | 6.47% | 7.43% | n/a | |
| Net Interest Margin | 3.50% | 3.87% | 3.96% | 3.67% | 3.52% | +2 bps | |
| Efficiency Ratio | 59.92% | 50.03% | 53.77% | 55.95% | 53.93% | -599 bps | |
| Non-Interest Burden | 1.99% | 1.80% | 1.99% | 1.92% | 1.75% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.37% | -3.56% | -2.18% | -2.35% | 1.17% | +354 bps | |
| Loan Growth (YoY) | 5.84% | 2.16% | -0.35% | -2.19% | -1.76% | -761 bps | |
| Deposit Growth (YoY) | 2.00% | 0.61% | 1.67% | 10.41% | 11.66% | +966 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.55% | 1.13% | 0.87% | 0.72% | 0.60% | +5 bps | |
| Allowance / Loans | 0.88% | 0.96% | 1.00% | 1.07% | 1.05% | +18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.76% | 14.22% | 14.22% | 14.22% | 13.70% | -6 bps | |
| Equity / Assets | 11.13% | 11.39% | 11.44% | 11.40% | 11.00% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 121.61% | 116.62% | 119.41% | 110.99% | 106.99% | -1,462 bps | |
| Liquid Assets / Assets | 0.96% | 0.98% | 0.94% | 0.89% | 0.86% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |