Honolulu, HI · Charter 1947
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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 1947
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.46% | -0.12% | -0.06% | -0.38% | -1.88% | -0.59% | -1.50% | -144 bps | |
| Return on Equity | 4.23% | 5.18% | -1.30% | -0.66% | -4.44% | -23.77% | -7.07% | -19.29% | -1,863 bps | |
| Net Interest Margin | 3.82% | 3.63% | 3.27% | 3.30% | 3.31% | 3.54% | 2.55% | 2.53% | -77 bps | |
| Efficiency Ratio | 91.70% | 89.91% | 99.87% | 97.34% | 94.44% | 144.66% | 117.27% | 149.56% | +5,221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | 12.81% | 8.65% | 7.87% | 8.31% | -9.82% | -12.67% | -13.82% | -2,169 bps | |
| Loan Growth (YoY) | -12.50% | -9.31% | -7.63% | -16.47% | -21.44% | -24.86% | -28.25% | -26.49% | -1,002 bps | |
| Share Growth (YoY) | -0.19% | 14.02% | 9.62% | 10.49% | 11.51% | -9.25% | -12.34% | -13.54% | -2,403 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 1.87% | 2.14% | 3.42% | 1.66% | 1.69% | 1.74% | 0.51% | -291 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 | 2.08% | 1.97% | 1.41% | 1.43% | 1.43% | 1.52% | 2.17% | 2.58% | +115 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.48% | 8.81% | 9.07% | 9.07% | 8.63% | 7.90% | 8.27% | 7.78% | -129 bps | |
| Net Worth / Assets | 9.48% | 8.81% | 9.07% | 9.07% | 8.63% | 7.90% | 8.27% | 7.78% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.19% | 40.07% | 40.48% | 35.52% | 31.84% | 33.18% | 33.13% | 30.20% | -532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |