Honolulu, HI · Charter 12183
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.97% | 4.63% | 2.98% | 4.21% | 2.64% | 0.94% | 0.07% | 1.49% | -272 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.72% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.50% | 4.01% | 3.81% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 73.49% | 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 / Loans | 0.42% | 2.58% | 0.00% | 0.92% | 9.11% | 16.21% | 9.74% | 9.32% | +840 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 | 3.56% | 3.37% | 3.24% | 3.17% | 3.41% | 3.18% | 2.16% | 2.40% | -76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 26.07% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 26.07% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.26% | 96.10% | 100.61% | 108.11% | 80.43% | 88.09% | 97.25% | 80.97% | -2,714 bps | |
| Liquid Assets / Assets | 37.95% | 29.86% | 26.28% | 23.14% | 38.27% | 31.97% | 26.53% | 40.26% | +1,712 bps | |