KeySource Commercial Bank

KeySource Commercial Bank is headquartered in Durham and is the 62^nd largest bank in the state of North Carolina. It is also the 3,192^nd largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 29 employees at 1 location. KeySource Commercial Bank's savings rates are 92% higher than the national average, but it has a 2-star health rating.

KeySource Commercial Bank Routing Number: 053112738

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Data for Q1 2012

Institution Statistics KeySource Commercial Bank FDIC Certificate # 58475 BankRate Report View Year Established 2007 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $194.97 million Loans $146.59 million Deposits $157.93 million Equity Capital $22.72 million Loan Loss Allowance $2.49 million Unbacked Noncurrent Loans $11.14 million Real Estate Owned $449,000 Historic Data - March 2011 Assets $225.21 million Equity Capital $19.47 million Loan Loss Allowance $3.14 million Unbacked Noncurrent Loans $8.23 million Real Estate Owned $250,000 Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets 0.48% Return on Equity 4.19% Interest Income $2.17 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 KeySource Commercial Bank had $11.59 million in non-current loans and owned real-estate with $25.21 million in equity and loan loss allowances on hand to cover it. This gives KeySource Commercial Bank a Texas Ratio of 45.97% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for KeySource Commercial Bank increased slightly from 37.51% as of March 31, 2011 to 45.97% as of March 31, 2012, resulting in a negative change of 22.55%. This indicates that the balance sheet and financial strength for KeySource Commercial Bank has declined slightly in recent periods. Deposit Growth In the past year, KeySource Commercial Bank has decreased its total deposits by -$27.84 million, resulting in -14.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth KeySource Commercial Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. KeySource Commercial Bank has $194.97 million in assets with $25.21 million in equity, resulting in a capitalization level of 12.93%, which is excellent.

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