Honolulu, HI · Charter 16057
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.79% | 3.40% | -0.94% | 3.60% | 4.09% | 3.41% | 3.19% | 2.81% | -79 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -16.98% | -18.00% | 13.47% | -0.96% | -7.72% | -4.61% | -21.42% | -3,488 bps | |
| Loan Growth (YoY) | n/a | -5.71% | -10.44% | -12.08% | -22.02% | -34.05% | -37.10% | -18.16% | -608 bps | |
| Share Growth (YoY) | n/a | -24.63% | -26.52% | -16.72% | -13.27% | -12.87% | -7.70% | -2.37% | +1,435 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.59% | 5.74% | 4.89% | 2.99% | 1.32% | 1.61% | 2.73% | 0.92% | -207 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 | 7.28% | 8.15% | 7.48% | 7.86% | 8.86% | 11.94% | 13.44% | 12.92% | +506 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.38% | 66.16% | 71.64% | 66.64% | 57.89% | 50.08% | 48.82% | 55.86% | -1,078 bps | |
| Liquid Assets / Assets | 24.41% | 22.26% | 11.68% | 35.01% | 35.32% | 48.34% | 52.07% | 46.80% | +1,179 bps | |