Honolulu, HI · Charter 17087
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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 17087
Q3 2003
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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.51% | 0.18% | 0.32% | 0.35% | 3.61% | 2.04% | 1.16% | +84 bps | |
| Return on Equity | 4.63% | 6.49% | 2.55% | 4.49% | 4.38% | 44.62% | 25.99% | 16.02% | +1,153 bps | |
| Net Interest Margin | 5.28% | 5.46% | 3.87% | 3.98% | 4.39% | 3.67% | 3.39% | 3.00% | -98 bps | |
| Efficiency Ratio | 84.49% | 82.28% | 95.39% | 92.04% | 92.18% | 104.43% | 102.70% | 107.17% | +1,513 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.78% | -5.13% | 9.62% | 20.15% | -2.32% | 13.57% | 6.85% | 13.15% | -699 bps | |
| Loan Growth (YoY) | -3.38% | -27.04% | -0.36% | 32.42% | 17.11% | 26.64% | -16.93% | -24.72% | -5,714 bps | |
| Share Growth (YoY) | -6.18% | -7.51% | 8.70% | 20.86% | -3.05% | 13.33% | 5.94% | 13.03% | -784 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.56% | 3.57% | 0.54% | 0.28% | 0.29% | 0.25% | 0.00% | 0.00% | -28 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 | 5.15% | 7.42% | 4.53% | 4.09% | 4.48% | 2.90% | 3.06% | 2.88% | -121 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.11% | 7.81% | 7.08% | 7.13% | 7.95% | 8.10% | 7.86% | 7.24% | +11 bps | |
| Net Worth / Assets | 7.11% | 7.81% | 7.08% | 7.13% | 7.95% | 8.10% | 7.86% | 7.24% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.47% | 36.65% | 41.68% | 47.20% | 50.09% | 40.96% | 32.69% | 31.44% | -1,576 bps | |
| Liquid Assets / Assets | 34.36% | 31.01% | 36.77% | 30.94% | 23.94% | 50.12% | 58.22% | 60.33% | +2,939 bps | |