PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Keytrust Company National Association

Anchorage, AK · Cert 91385

FDIC

Q2 2014

$17.8MAssets
n/aLoans
n/aDeposits
$17.8MEquity

Executive Summary

  • Earnings: ROA of 2.79%, down 154 bps year over year; NIM at 0.02%.

Return on Assets (quarter, annualized)

2.79%-154 bps YoY

Net Interest Margin (quarter, annualized)

0.02%0 bps YoY

Efficiency Ratio (quarter, annualized)

27.21%+563 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.02%Q2 ’120.02%Q2 ’130.02%Q2 ’14-4%-4%

Non-interest income vs. expense

2.17%Q2 ’121.93%Q2 ’131.67%Q2 ’14-90%+36%

Discrete quarter, annualized.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets3.71%4.45%3.59%4.33%4.06%2.41%4.09%2.79%-154 bps
Return on Equity3.74%4.49%3.62%4.38%4.10%2.43%4.12%2.80%-158 bps
Net Interest Margin0.02%0.02%0.00%0.02%0.02%0.02%0.00%0.02%0 bps
Efficiency Ratio24.07%23.92%27.94%21.58%26.37%36.94%22.58%27.21%+563 bps
Non-Interest Burden-5.95%-7.16%-5.83%-7.00%-6.55%-3.88%-6.60%-4.46%+254 bps
Growth
Asset Growth (YoY)0.33%1.80%2.62%4.53%3.96%4.10%3.60%2.51%-202 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capital468%467%465%468%466%458%465%472%+469 bps
Equity / Assets99.04%99.45%99.02%98.90%99.29%99.07%99.24%99.78%+87 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
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