PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Oahu Community

Wheeler AFB, HI · Charter 14002

Q4 1999

$6.1MAssets
$3.8MLoans
$5.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -3.24%, down 579 bps year over year; NIM at 5.34%.
  • Asset quality: problem loans at 1.48% of loans (+36 bps YoY).
  • Funding: loans stand at 64.87% of shares as of Q4 1999.

Return on Assets (quarter, annualized)

-3.24%-579 bps YoY

Net Interest Margin (quarter, annualized)

5.34%
n/a

Efficiency Ratio (quarter, annualized)

144.68%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.11%2.59%2.24%2.55%2.47%2.46%1.78%-3.24%-579 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.34%n/an/a
Efficiency Ration/an/an/an/an/an/an/a144.68%n/an/a
Growth
Asset Growth (YoY)-13.21%-15.35%-16.85%-14.36%-9.17%-6.59%1.59%0.23%+1,459 bps
Loan Growth (YoY)1.49%-1.05%-4.81%-5.34%-2.63%-2.77%-3.71%-0.60%+474 bps
Share Growth (YoY)-13.34%-15.80%-17.98%-15.79%-10.05%-7.04%2.28%1.36%+1,714 bps
Asset Quality
Delinquent Loans / Loans0.79%1.14%0.93%1.13%1.40%2.35%2.02%1.48%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.49%2.63%3.21%2.87%3.07%2.76%2.25%1.65%-122 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares60.86%62.50%65.17%66.15%65.88%65.37%61.36%64.87%-128 bps
Liquid Assets / Assets25.20%24.23%18.79%32.42%32.46%34.31%36.65%29.25%-317 bps