Honolulu, HI · Cert 18035
FDIC
Q4 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 1.43% | 1.51% | 1.57% | 2.27% | 2.63% | 0.09% | 0.30% | -127 bps | |
| Return on Equity | 12.05% | 16.17% | 17.40% | 18.18% | 26.22% | 29.83% | 0.76% | 2.13% | -1,604 bps | |
| Net Interest Margin | 4.34% | 4.50% | 4.40% | 4.30% | 4.57% | 4.47% | 0.26% | 1.20% | -310 bps | |
| Efficiency Ratio | 54.00% | 53.24% | 54.07% | 53.99% | 55.27% | 47.95% | 56.26% | 62.88% | +889 bps | |
| Non-Interest Burden | 1.80% | 1.81% | 1.89% | 1.85% | 2.10% | 1.29% | 0.12% | 0.79% | -107 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% | 0.10% | 0.14% | 0.43% | 0.09% | 0.13% | 0.03% | 0.02% | -42 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 |