6. Debt to t otal assets – Killam measures its debt levels as a percentage of total assets and works to ensure that the debt to total assets 
remains at a range of 55% to 65%. 
7. t erm to maturity – management monitors the average number of years to maturity on its debt.
8. Interest Coverage Ratio – A common measure of credit risk used by lenders, this measure considers Killam’s ability to pay interest on 
outstanding debt. Generally, the higher the interest coverage ratio, the lower the credit risk.  
9. Debt Service Coverage Ratio – A common measure of credit risk used by lenders, this measure considers Killam’s ability to pay interest and 
principal on outstanding debt. Generally the higher the debt service coverage ratio, the lower the credit risk.
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