Kaumakani, HI · Charter 10070
Q2 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.29% | -3.05% | -2.51% | -2.58% | -2.87% | -2.89% | -1.99% | -2.44% | +14 bps | |
| Return on Equity | -19.46% | -18.28% | -15.66% | -15.75% | -17.42% | -17.40% | -12.10% | -12.20% | +355 bps | |
| Net Interest Margin | 2.42% | 2.71% | 2.69% | 2.84% | 2.89% | 3.05% | 3.22% | 4.14% | +129 bps | |
| Efficiency Ratio | 227% | 206% | 188.64% | 186.13% | 184.06% | 182.49% | 158.09% | 155.08% | -3,105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.40% | -3.40% | -3.25% | -8.62% | -9.80% | -12.28% | -13.99% | -27.36% | -1,873 bps | |
| Loan Growth (YoY) | -9.57% | -7.73% | -11.37% | -6.75% | -4.84% | 6.37% | 15.20% | 11.21% | +1,796 bps | |
| Share Growth (YoY) | 0.29% | -0.39% | -0.96% | -7.39% | -8.69% | -14.42% | -19.66% | -42.65% | -3,526 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.02% | 4.61% | 4.18% | 3.94% | 3.12% | 1.59% | 2.35% | 2.10% | -183 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.81% | 4.28% | 4.90% | 4.90% | 4.85% | 3.86% | 4.21% | 2.97% | -194 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.91% | 16.67% | 16.02% | 16.38% | 16.47% | 16.60% | 16.41% | 20.03% | +365 bps | |
| Net Worth / Assets | 16.91% | 16.67% | 16.02% | 16.38% | 16.47% | 16.60% | 16.41% | 20.03% | +365 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.34% | 33.44% | 30.33% | 33.76% | 34.75% | 41.56% | 43.48% | 65.47% | +3,171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |