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Key Bank and Trust

Owings Mills, MD · Cert 31263

FDIC

Q3 2010

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: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Key Bank and Trust

Owings Mills, MD · Cert 31263

FDIC

Q3 2010

$538.3MAssets
$417.6MLoans
$500.1MDeposits
$6.7MEquity
Loan mix
87%RE $343.5M13%C&I $50.6M0%Consumer $0.1MQ3 2009Q3 2010
Deposit mix
96%Interest-bearing $479.1M4%Noninterest $20.9MQ3 2009Q3 2010

NIM

6.46%Q3 ’084.80%Q3 ’094.50%Q3 ’10-40%+24%

Non-interest income vs. expense

3.21%Q3 ’082.89%Q3 ’093.66%Q3 ’10+11%+35%

Executive Summary

  • Earnings: ROA of -3.82%, up 97 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.33%.
  • Funding: loans stand at 83.51% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-3.82%+97 bps YoY

Net Interest Margin (YTD, annualized)

2.22%+42 bps YoY

Efficiency Ratio (YTD, annualized)

347%+8,860 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-4.79%-3.53%-2.66%-3.44%-3.82%+97 bps
Return on Equity-93.13%-72.41%-78.13%-114.34%-146.62%-5,349 bps
Net Interest Margin1.80%1.83%2.05%2.11%2.22%+42 bps
Efficiency Ratio258%176.66%151.14%308%347%+8,860 bps
Non-Interest Burden3.57%3.16%3.11%4.34%4.82%+125 bps
Growth
Asset Growth (YoY)1.39%-8.99%-11.42%-10.53%-18.31%-1,970 bps
Loan Growth (YoY)-10.73%-14.90%-17.51%-17.36%-18.21%-748 bps
Deposit Growth (YoY)6.31%-6.21%-9.57%-8.28%-13.17%-1,948 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.41%3.76%6.51%3.64%3.33%-8 bps
Allowance / Loans3.58%3.96%3.11%3.47%3.54%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital5.88%6.37%5.71%4.38%2.81%-306 bps
Equity / Assets3.32%3.69%3.11%2.20%1.25%-207 bps
Liquidity & Funding
Loans / Deposits88.66%89.44%86.45%83.49%83.51%-514 bps
Liquid Assets / Assets8.98%3.54%3.97%6.28%2.11%-688 bps
CRE / Total Capitaln/an/an/an/an/an/an/a