Honolulu, HI · Charter 13743
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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 13743
Q4 2002
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.12% | -10.84% | -6.54% | 0.18% | 0.04% | -0.84% | -0.61% | -0.82% | -100 bps | |
| Return on Equity | n/a | n/a | -53.66% | 1.55% | 0.34% | -8.20% | -5.84% | -8.20% | -975 bps | |
| Net Interest Margin | 6.33% | 6.44% | 6.37% | 6.22% | 6.01% | 5.00% | 5.02% | 5.23% | -99 bps | |
| Efficiency Ratio | 112.54% | 126.84% | 112.52% | 93.47% | 96.06% | 99.19% | 100.20% | 107.16% | +1,369 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.31% | -9.72% | -5.27% | -3.85% | 3.89% | 3.28% | 12.47% | 5.80% | +965 bps | |
| Loan Growth (YoY) | -19.12% | -18.99% | -10.21% | 3.74% | -2.99% | -0.36% | 13.24% | 3.94% | +20 bps | |
| Share Growth (YoY) | -10.95% | 10.52% | 10.98% | 8.74% | 13.48% | 5.94% | 15.24% | 7.98% | -75 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.35% | 5.68% | 2.74% | 1.00% | 9.28% | 7.32% | 11.77% | 9.99% | +898 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 | 4.46% | 6.10% | 7.11% | 8.25% | 8.41% | 9.47% | 7.57% | 8.23% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 12.19% | 11.52% | 11.22% | 10.29% | 10.42% | 10.03% | -150 bps | |
| Net Worth / Assets | n/a | n/a | 12.19% | 11.52% | 11.22% | 10.29% | 10.42% | 10.03% | -150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.66% | 79.11% | 87.43% | 84.92% | 73.22% | 74.40% | 85.91% | 81.74% | -318 bps | |
| Liquid Assets / Assets | 18.82% | 13.36% | 27.61% | 29.70% | 38.98% | 25.00% | 27.81% | 29.83% | +14 bps | |