Honolulu, HI · Charter 10796
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Honolulu, HI · Charter 10796
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | -0.06% | -0.94% | -5.92% | -0.82% | -2.06% | -2.12% | -5.55% | +37 bps | |
| Return on Equity | 6.53% | -0.54% | -8.93% | -65.27% | -10.69% | -30.69% | -32.01% | -101.87% | -3,661 bps | |
| Net Interest Margin | 4.98% | 4.61% | 4.58% | 3.46% | 3.22% | 3.19% | 3.40% | 3.83% | +37 bps | |
| Efficiency Ratio | 86.94% | 101.16% | 119.04% | 165.27% | 116.72% | 124.55% | 130.01% | 218% | +5,255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.01% | -7.76% | -7.38% | -9.34% | -5.57% | -6.77% | -6.29% | -8.82% | +52 bps | |
| Loan Growth (YoY) | 15.17% | 4.86% | -4.70% | -11.41% | -20.64% | -21.43% | -19.83% | -1.31% | +1,010 bps | |
| Share Growth (YoY) | 4.33% | -1.15% | -7.11% | -8.74% | -3.19% | -3.77% | -2.40% | -4.97% | +377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.53% | 1.15% | 0.92% | 1.26% | 5.15% | 8.27% | 4.54% | +362 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 | 0.71% | 0.76% | 0.94% | 0.26% | 1.05% | 2.42% | 0.50% | 0.30% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.80% | 10.72% | 10.49% | 9.07% | 7.64% | 6.72% | 6.61% | 5.45% | -362 bps | |
| Net Worth / Assets | 10.80% | 10.72% | 10.49% | 9.07% | 7.64% | 6.72% | 6.61% | 5.45% | -362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.76% | 73.95% | 74.28% | 71.27% | 63.74% | 60.38% | 61.02% | 74.02% | +275 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |