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 3.44%, down 52 bps year over year; NIM at 0.01%.

Return on Assets (YTD, annualized)

3.44%-52 bps YoY

Net Interest Margin (YTD, annualized)

0.01%0 bps YoY

Efficiency Ratio (YTD, annualized)

24.53%-5 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.01%Q2 ’120.01%Q2 ’130.01%Q2 ’14-4%-4%

Non-interest income vs. expense

2.00%Q2 ’122.08%Q2 ’131.79%Q2 ’14-112%+14%

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets2.47%2.97%3.59%3.96%4.00%3.60%4.09%3.44%-52 bps
Return on Equity2.51%3.01%3.62%4.00%4.03%3.63%4.12%3.46%-54 bps
Net Interest Margin0.02%0.02%0.00%0.01%0.02%0.02%0.00%0.01%0 bps
Efficiency Ratio32.88%29.76%27.94%24.58%25.20%27.50%22.58%24.53%-5 bps
Non-Interest Burden-3.98%-4.75%-5.83%-6.38%-6.40%-5.72%-6.60%-5.49%+90 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