Lahaina, HI · Charter 12134
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.87% | 1.15% | 1.19% | 1.13% | 0.94% | 0.65% | -10.60% | -1,179 bps | |
| Return on Equity | 6.56% | 6.56% | 8.56% | 8.36% | 7.65% | 6.26% | 4.37% | -141.72% | -15,008 bps | |
| Net Interest Margin | 4.70% | 4.73% | 4.79% | 4.93% | 5.01% | 4.76% | 4.41% | 4.51% | -42 bps | |
| Efficiency Ratio | 81.78% | 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 / Loans | 0.50% | 0.49% | 0.57% | 1.00% | 2.22% | 2.27% | 1.95% | 2.06% | +106 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 | 0.40% | 0.35% | 0.38% | 0.36% | 0.37% | 0.37% | 0.25% | 4.05% | +369 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.27% | 13.27% | 13.44% | 14.22% | 14.75% | 15.00% | 14.91% | 7.48% | -674 bps | |
| Net Worth / Assets | 13.27% | 13.27% | 13.44% | 14.22% | 14.75% | 15.00% | 14.91% | 7.48% | -674 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.03% | 47.70% | 44.10% | 48.85% | 50.00% | 50.68% | 47.31% | 48.82% | -3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |