Home > Key West Bank > Performance and Condition Ratios
Key West Bank, Performance and Condition Ratios
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 7,066 |
| Cost of funding earning assets | 2.2520% | 1,832 |
| Net interest margin | 2.4919% | 7,437 |
| Noninterest income to average assets | -0.4912% | 7,943 |
| Noninterest expense to average assets | 2.6579% | 5,568 |
| Loan and lease loss provision to assets | 6.3889% | 91 |
| Net operating income to assets | -7.2646% | 7,908 |
| Return on assets (ROA) | -6.9335% | 7,888 |
| Pretax return on assets | -6.9335% | 7,867 |
| Return on Equity (ROE) | -160.1628% | 7,993 |
| Retained earnings to average equity (ytd only) | -160.1628% | 7,993 |
| Net charge-offs to loans | 7.7038% | 88 |
| Credit loss provision to net charge-offs | 102.0816% | 5,417 |
| Earnings coverage of net charge-offs (x) | -0.1399% | 6,377 |
| Efficiency ratio | 149.1312% | 318 |
| Assets per employee ($millions) | 5.5019% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 3,355 |
| Loan loss allowance to noncurrent loans | 15.6092% | 7,230 |
| Noncurrent assets plus other real estate owned to assets | 14.4426% | 153 |
| Noncurrent loans to loans | 10.1337% | 404 |
| Net loans and leases to total assets | 74.4249% | 2,159 |
| Net loans and leases to deposits | 96.8298% | 1,225 |
| Net loans and leases to core deposits | 210.4964% | 80 |
| Total domestic deposits to total assets | 76.8616% | 6,517 |
| Equity capital to assets | 0.0591% | 7,994 |
| Core capital (leverage) ratio | 0.0591% | 7,998 |
| Tier 1 risk-based capital ratio | 0.0929% | 7,998 |
| Total risk-based capital ratio | 0.1857% | 7,998 |
| Memoranda: | ||
| Average total assets | $93,646,200 | 5,280 |
| Average earning assets | $85,436,000 | 5,284 |
| Average equity | $4,054,000 | 7,269 |
| Average total loans | $76,079,600 | 4,650 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 6,913 |
| Cost of funding earning assets | 2.3846% | 1,685 |
| Net interest margin | 2.5026% | 7,462 |
| Noninterest income to average assets | 0.1880% | 6,874 |
| Noninterest expense to average assets | 2.1869% | 7,011 |
| Loan and lease loss provision to assets | 4.5000% | 223 |
| Net operating income to assets | -4.2068% | 7,770 |
| Return on assets (ROA) | -3.7720% | 7,721 |
| Pretax return on assets | -3.7720% | 7,650 |
| Return on Equity (ROE) | -70.9316% | 7,935 |
| Retained earnings to average equity (ytd only) | -70.9316% | 7,934 |
| Net charge-offs to loans | 3.6197% | 408 |
| Credit loss provision to net charge-offs | 150.6103% | 3,185 |
| Earnings coverage of net charge-offs (x) | 0.0981% | 5,943 |
| Efficiency ratio | 88.1787% | 1,858 |
| Assets per employee ($millions) | 5.8741% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3562% | 1,227 |
| Loan loss allowance to noncurrent loans | 16.8554% | 7,248 |
| Noncurrent assets plus other real estate owned to assets | 18.1075% | 69 |
| Noncurrent loans to loans | 13.9791% | 183 |
| Net loans and leases to total assets | 69.8014% | 3,565 |
| Net loans and leases to deposits | 92.3634% | 2,174 |
| Net loans and leases to core deposits | 133.7613% | 1,225 |
| Total domestic deposits to total assets | 75.5726% | 6,663 |
| Equity capital to assets | 3.6011% | 8,015 |
| Core capital (leverage) ratio | 3.6011% | 8,003 |
| Tier 1 risk-based capital ratio | 5.6349% | 7,969 |
| Total risk-based capital ratio | 6.9025% | 7,975 |
| Memoranda: | ||
| Average total assets | $95,050,000 | 5,267 |
| Average earning assets | $87,054,750 | 5,263 |
| Average equity | $5,054,500 | 6,979 |
| Average total loans | $78,457,000 | 4,608 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 4,887 |
| Cost of funding earning assets | 2.5236% | 1,534 |
| Net interest margin | 2.9280% | 6,739 |
| Noninterest income to average assets | 0.2611% | 6,406 |
| Noninterest expense to average assets | 2.1938% | 7,069 |
| Loan and lease loss provision to assets | 5.6909% | 157 |
| Net operating income to assets | -4.9119% | 7,923 |
| Return on assets (ROA) | -4.2484% | 7,857 |
| Pretax return on assets | -4.2484% | 7,775 |
| Return on Equity (ROE) | -71.6520% | 8,022 |
| Retained earnings to average equity (ytd only) | -71.6520% | 8,019 |
| Net charge-offs to loans | 3.4103% | 460 |
| Credit loss provision to net charge-offs | 192.9608% | 2,368 |
| Earnings coverage of net charge-offs (x) | 0.2642% | 5,407 |
| Efficiency ratio | 73.7941% | 4,061 |
| Assets per employee ($millions) | 5.3986% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4920% | 909 |
| Loan loss allowance to noncurrent loans | 16.4946% | 7,314 |
| Noncurrent assets plus other real estate owned to assets | 19.8548% | 41 |
| Noncurrent loans to loans | 15.1082% | 129 |
| Net loans and leases to total assets | 85.3885% | 451 |
| Net loans and leases to deposits | 120.7610% | 219 |
| Net loans and leases to core deposits | 123.9868% | 2,027 |
| Total domestic deposits to total assets | 70.7086% | 7,404 |
| Equity capital to assets | 4.9782% | 8,041 |
| Core capital (leverage) ratio | 4.9782% | 8,030 |
| Tier 1 risk-based capital ratio | 6.9763% | 8,009 |
| Total risk-based capital ratio | 8.2483% | 8,017 |
| Memoranda: | ||
| Average total assets | $93,447,000 | 5,363 |
| Average earning assets | $86,544,670 | 5,318 |
| Average equity | $5,540,670 | 6,883 |
| Average total loans | $80,814,330 | 4,563 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 4,064 |
| Cost of funding earning assets | 2.6835% | 1,315 |
| Net interest margin | 2.9641% | 6,576 |
| Noninterest income to average assets | 0.3506% | 5,643 |
| Noninterest expense to average assets | 2.1117% | 7,089 |
| Loan and lease loss provision to assets | 2.0911% | 566 |
| Net operating income to assets | -1.0641% | 7,294 |
| Return on assets (ROA) | 0.2145% | 5,775 |
| Pretax return on assets | 0.2145% | 5,900 |
| Return on Equity (ROE) | 3.3761% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.3761% | 4,005 |
| Net charge-offs to loans | 1.7794% | 816 |
| Credit loss provision to net charge-offs | 136.6577% | 2,968 |
| Earnings coverage of net charge-offs (x) | 0.6712% | 4,469 |
| Efficiency ratio | 67.2799% | 5,086 |
| Assets per employee ($millions) | 5.6398% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 6,757 |
| Loan loss allowance to noncurrent loans | 6.4816% | 7,541 |
| Noncurrent assets plus other real estate owned to assets | 15.9236% | 63 |
| Noncurrent loans to loans | 13.8714% | 124 |
| Net loans and leases to total assets | 90.3909% | 123 |
| Net loans and leases to deposits | 129.2606% | 150 |
| Net loans and leases to core deposits | 133.3170% | 1,458 |
| Total domestic deposits to total assets | 69.9292% | 7,431 |
| Equity capital to assets | 6.8564% | 7,746 |
| Core capital (leverage) ratio | 6.8564% | 7,724 |
| Tier 1 risk-based capital ratio | 10.0411% | 6,870 |
| Total risk-based capital ratio | 11.2420% | 6,833 |
| Memoranda: | ||
| Average total assets | $96,982,000 | 5,273 |
| Average earning assets | $91,225,500 | 5,176 |
| Average equity | $6,161,000 | 6,704 |
| Average total loans | $83,401,000 | 4,515 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5826% | 2,566 |
| Cost of funding earning assets | 3.7087% | 260 |
| Net interest margin | 2.8738% | 7,206 |
| Noninterest income to average assets | -0.1026% | 8,204 |
| Noninterest expense to average assets | 2.0585% | 7,326 |
| Loan and lease loss provision to assets | 2.9537% | 310 |
| Net operating income to assets | -2.3997% | 7,683 |
| Return on assets (ROA) | -2.3997% | 7,650 |
| Pretax return on assets | -2.3997% | 7,564 |
| Return on Equity (ROE) | -32.7329% | 7,997 |
| Retained earnings to average equity (ytd only) | -32.7329% | 7,955 |
| Net charge-offs to loans | 3.3011% | 251 |
| Credit loss provision to net charge-offs | 108.3079% | 4,962 |
| Earnings coverage of net charge-offs (x) | 0.2031% | 6,114 |
| Efficiency ratio | 78.7965% | 2,789 |
| Assets per employee ($millions) | 6.4829% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 7,381 |
| Loan loss allowance to noncurrent loans | 7.6166% | 7,530 |
| Noncurrent assets plus other real estate owned to assets | 9.1818% | 206 |
| Noncurrent loans to loans | 9.3851% | 236 |
| Net loans and leases to total assets | 80.8777% | 1,472 |
| Net loans and leases to deposits | 113.4151% | 645 |
| Net loans and leases to core deposits | 115.7962% | 3,145 |
| Total domestic deposits to total assets | 71.3112% | 7,121 |
| Equity capital to assets | 5.9146% | 8,075 |
| Core capital (leverage) ratio | 5.9146% | 8,104 |
| Tier 1 risk-based capital ratio | 9.7005% | 7,081 |
| Total risk-based capital ratio | 10.6556% | 7,328 |
| Memoranda: | ||
| Average total assets | $108,136,400 | 4,828 |
| Average earning assets | $102,164,000 | 4,741 |
| Average equity | $7,927,800 | 6,113 |
| Average total loans | $89,335,000 | 4,251 |