Honolulu, HI · Charter 1959
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 1959
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.73% | -1.78% | -2.43% | -3.86% | -2.82% | -2.28% | -1.83% | -3.55% | +31 bps | |
| Return on Equity | -7.98% | -21.64% | -32.25% | -58.18% | -45.55% | -38.25% | -32.89% | -73.18% | -1,500 bps | |
| Net Interest Margin | 3.59% | 3.57% | 3.68% | 3.69% | 3.52% | 3.64% | 3.48% | 2.56% | -114 bps | |
| Efficiency Ratio | 114.56% | 123.19% | 122.79% | 120.59% | 122.24% | 119.91% | 118.71% | 139.85% | +1,926 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.41% | -8.73% | -10.13% | -7.47% | -5.13% | -5.63% | 1.93% | -0.32% | +715 bps | |
| Loan Growth (YoY) | -14.24% | -15.76% | -17.98% | -9.64% | -1.42% | -3.58% | -3.49% | -16.56% | -692 bps | |
| Share Growth (YoY) | -0.81% | -5.08% | -7.07% | -4.81% | -2.01% | -3.34% | 4.21% | 1.46% | +627 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.82% | 2.52% | 2.64% | 1.43% | 2.09% | 3.74% | 5.57% | 1.59% | +16 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 | 2.21% | 2.10% | 2.55% | 3.61% | 3.13% | 3.31% | 3.07% | 0.00% | -361 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.16% | 8.24% | 7.53% | 6.64% | 6.18% | 5.96% | 5.56% | 4.85% | -179 bps | |
| Net Worth / Assets | 9.16% | 8.24% | 7.53% | 6.64% | 6.18% | 5.96% | 5.56% | 4.85% | -179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.21% | 62.85% | 63.05% | 61.23% | 65.60% | 62.69% | 58.39% | 50.36% | -1,087 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |