PackageTrendsPeer
Letter portraitLegal landscape

Hawaii Farm Bureau

Honolulu, HI · Charter 12183

Q4 2000

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: Q4 2000, the quarter ended December 31, 2000, 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

Hawaii Farm Bureau

Honolulu, HI · Charter 12183

Q4 2000

$442KAssets
$265KLoans
$327KShares
$115KNet Worth

Executive Summary

  • Earnings: ROA of 1.49%, down 272 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 9.32% of loans (+840 bps YoY).
  • Capital: net worth / assets of 26.07%.
  • Funding: loans stand at 80.97% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

1.49%-272 bps YoY

Net Interest Margin (YTD, annualized)

3.81%

Efficiency Ratio (YTD, annualized)

60.83%

Net Worth / Assets

26.07%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.97%4.63%2.98%4.21%2.64%0.94%0.07%1.49%-272 bps
Return on Equityn/an/an/an/an/an/an/a5.72%n/an/a
Net Interest Marginn/an/an/an/an/a3.50%4.01%3.81%n/a
Efficiency Ration/an/an/an/an/a73.49%98.19%60.83%n/a
Growth
Asset Growth (YoY)-12.65%-20.71%-14.22%-13.80%7.24%19.55%15.59%27.49%+4,130 bps
Loan Growth (YoY)39.89%31.07%24.44%16.98%12.90%13.39%14.56%1.19%-1,579 bps
Share Growth (YoY)-18.96%-29.36%-21.65%-21.99%5.64%23.70%18.51%35.10%+5,709 bps
Asset Quality
Delinquent Loans / Loans0.42%2.58%0.00%0.92%9.11%16.21%9.74%9.32%+840 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.56%3.37%3.24%3.17%3.41%3.18%2.16%2.40%-76 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a26.07%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a26.07%n/an/a
Liquidity & Funding
Loans / Shares75.26%96.10%100.61%108.11%80.43%88.09%97.25%80.97%-2,714 bps
Liquid Assets / Assets37.95%29.86%26.28%23.14%38.27%31.97%26.53%40.26%+1,712 bps