Kapolei, HI · Charter 14813
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.89% | -1.23% | -1.43% | -1.75% | -4.44% | -1.50% | -11.38% | -995 bps | |
| Return on Equity | -2.13% | -3.68% | -4.61% | -5.37% | -6.81% | -19.42% | -6.60% | -53.43% | -4,805 bps | |
| Net Interest Margin | 7.06% | 6.89% | 7.74% | 7.34% | 7.17% | 7.08% | 7.79% | 4.73% | -262 bps | |
| Efficiency Ratio | 107.16% | 112.93% | 115.88% | 119.48% | 124.48% | 126.47% | 119.22% | 341% | +22,128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.83% | -9.60% | -20.08% | -13.14% | -14.12% | -11.30% | -2.34% | -15.31% | -217 bps | |
| Loan Growth (YoY) | -19.86% | -20.13% | -11.92% | -27.71% | -10.49% | -8.02% | -24.26% | -8.91% | +1,880 bps | |
| Share Growth (YoY) | -5.28% | -11.22% | -24.46% | -15.68% | -16.44% | -9.70% | 2.90% | -8.98% | +669 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.02% | 8.14% | 5.77% | 7.26% | 6.25% | 4.79% | 4.84% | 5.07% | -220 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 | 5.48% | 5.56% | 3.15% | 3.96% | 3.41% | 7.35% | 3.15% | 3.30% | -66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.72% | 24.25% | 26.64% | 26.62% | 25.75% | 22.87% | 22.71% | 21.31% | -531 bps | |
| Net Worth / Assets | 23.72% | 24.25% | 26.64% | 26.62% | 25.75% | 22.87% | 22.71% | 21.31% | -531 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.00% | 61.12% | 68.96% | 55.58% | 63.19% | 62.25% | 50.76% | 55.63% | +5 bps | |
| Liquid Assets / Assets | 55.51% | 54.41% | 48.94% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |