Kailua, HI · Charter 17962
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.47% | 2.79% | 2.66% | 3.52% | 2.16% | 1.42% | 2.48% | -0.15% | -368 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 | n/a | n/a | -18.06% | -10.32% | -14.42% | -30.76% | -16.72% | +134 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 3.39% | 6.27% | 3.88% | -9.29% | -23.58% | -2,698 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -21.83% | -11.90% | -15.32% | -32.49% | -15.42% | +641 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 4.69% | 1.73% | 1.25% | 3.78% | 4.04% | 3.53% | 9.26% | +801 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 | 1.86% | 1.98% | 1.89% | 1.46% | 2.57% | 2.75% | 1.80% | 4.34% | +287 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 | 58.50% | 62.04% | 62.04% | 74.53% | 70.56% | 76.11% | 83.37% | 67.34% | -720 bps | |
| Liquid Assets / Assets | 39.24% | 26.29% | 40.08% | 28.72% | 26.26% | 27.65% | 21.64% | 33.14% | +442 bps | |