Honolulu, HI · Cert 18035
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.81% | 1.70% | 1.72% | 2.27% | 3.00% | -4.61% | 0.84% | -87 bps | |
| Return on Equity | 12.05% | 20.27% | 19.59% | 20.50% | 26.22% | 33.20% | -30.46% | 4.10% | -1,640 bps | |
| Net Interest Margin | 4.34% | 4.67% | 4.65% | 4.68% | 4.57% | 4.39% | -8.01% | 4.13% | -55 bps | |
| Efficiency Ratio | 54.00% | 52.54% | 55.74% | 53.76% | 55.27% | 41.94% | 56.26% | 64.00% | +1,024 bps | |
| Non-Interest Burden | 1.80% | 1.82% | 2.23% | 2.03% | 2.10% | 0.49% | -2.18% | 2.84% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.39% | 9.10% | 16.01% | 13.73% | 13.21% | 10.89% | 19.16% | 18.75% | +501 bps | |
| Loan Growth (YoY) | -1.94% | 6.90% | 10.88% | 15.55% | 16.80% | 16.88% | 15.49% | 14.40% | -115 bps | |
| Deposit Growth (YoY) | 3.51% | 3.41% | 4.05% | 3.76% | 14.43% | 16.88% | 18.91% | 10.81% | +705 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.11% | 0.23% | 1.34% | 0.09% | 0.18% | -0.18% | 0.00% | -135 bps | |
| Allowance / Loans | 2.59% | 2.49% | 2.44% | 2.00% | 1.88% | 1.76% | 1.72% | 1.65% | -35 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.18% | 13.02% | 12.22% | 11.68% | 11.91% | 12.06% | 9.05% | 10.19% | -149 bps | |
| Equity / Assets | 8.82% | 9.04% | 8.36% | 8.40% | 8.95% | 9.14% | 20.26% | 20.84% | +1,244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.19% | 101.56% | 104.79% | 110.55% | 102.26% | 101.56% | 101.77% | 114.14% | +358 bps | |
| Liquid Assets / Assets | 11.68% | 9.93% | 8.98% | 7.12% | 5.68% | 5.43% | 3.45% | 3.34% | -378 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |