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Lahaina

Lahaina, HI · Charter 12134

Q3 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2008, the quarter ended September 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lahaina

Lahaina, HI · Charter 12134

Q3 2008

$6.4MAssets
$2.6MLoans
$5.4MShares
$476KNet Worth

Executive Summary

  • Earnings: ROA of -10.60%, down 1,179 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 2.06% of loans (+106 bps YoY).
  • Capital: net worth / assets of 7.48%, down 674 bps from a year ago.
  • Funding: loans stand at 48.82% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

-10.60%-1,179 bps YoY

Net Interest Margin (YTD, annualized)

4.51%-42 bps YoY

Efficiency Ratio (YTD, annualized)

280%+20,341 bps YoY

Net Worth / Assets

7.48%-674 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.87%0.87%1.15%1.19%1.13%0.94%0.65%-10.60%-1,179 bps
Return on Equity6.56%6.56%8.56%8.36%7.65%6.26%4.37%-141.72%-15,008 bps
Net Interest Margin4.70%4.73%4.79%4.93%5.01%4.76%4.41%4.51%-42 bps
Efficiency Ratio81.78%82.46%76.95%76.83%77.50%81.05%85.83%280%+20,341 bps
Growth
Asset Growth (YoY)-3.61%-2.91%0.67%1.00%-2.52%-4.26%-4.47%-6.45%-745 bps
Loan Growth (YoY)18.35%12.01%3.98%2.73%2.14%-0.19%0.75%-7.06%-979 bps
Share Growth (YoY)-5.39%-4.30%-0.19%0.14%-3.93%-6.06%-6.08%-7.00%-714 bps
Asset Quality
Delinquent Loans / Loans0.50%0.49%0.57%1.00%2.22%2.27%1.95%2.06%+106 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%0.35%0.38%0.36%0.37%0.37%0.25%4.05%+369 bps
Capital
Risk-Based Capital13.27%13.27%13.44%14.22%14.75%15.00%14.91%7.48%-674 bps
Net Worth / Assets13.27%13.27%13.44%14.22%14.75%15.00%14.91%7.48%-674 bps
Liquidity & Funding
Loans / Shares47.03%47.70%44.10%48.85%50.00%50.68%47.31%48.82%-3 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps