Honolulu, HI · Charter 1958
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 1958
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | -5.73% | -1.44% | -0.84% | -0.70% | -0.27% | -0.69% | -0.83% | +1 bps | |
| Return on Equity | 3.12% | -41.91% | -10.14% | -5.93% | -4.97% | -1.97% | -5.07% | -6.38% | -44 bps | |
| Net Interest Margin | 3.16% | 2.82% | 2.75% | 2.65% | 2.59% | 2.39% | 2.33% | 2.02% | -63 bps | |
| Efficiency Ratio | 84.14% | 1858% | 171.58% | 93.11% | 95.92% | 99.01% | 110.67% | 126.83% | +3,373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.30% | 6.06% | 1.08% | 4.17% | 5.67% | 4.02% | 0.75% | 1.81% | -236 bps | |
| Loan Growth (YoY) | -7.72% | -9.78% | -16.59% | -11.84% | -16.91% | -18.92% | -7.94% | -31.07% | -1,923 bps | |
| Share Growth (YoY) | 5.65% | 8.20% | 1.75% | 5.93% | 8.03% | 4.73% | 1.97% | 3.59% | -234 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.53% | 0.27% | 0.27% | 0.19% | 0.21% | 1.45% | 0.16% | -11 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 | 0.24% | 0.48% | 0.39% | 0.48% | 0.40% | 0.78% | 0.91% | 0.79% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.53% | 13.68% | 14.24% | 14.16% | 14.01% | 13.77% | 13.63% | 12.99% | -116 bps | |
| Net Worth / Assets | 15.53% | 13.68% | 14.24% | 14.16% | 14.01% | 13.77% | 13.63% | 12.99% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.53% | 31.73% | 28.57% | 28.46% | 26.56% | 24.57% | 25.79% | 18.94% | -952 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |