Honolulu, HI · Charter 20187
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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 20187
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.20% | -0.05% | -0.66% | -0.34% | -0.22% | -0.01% | 0.10% | +75 bps | |
| Return on Equity | -2.82% | -2.70% | -0.60% | -9.25% | -4.83% | -3.04% | -0.12% | 1.62% | +1,086 bps | |
| Net Interest Margin | 4.32% | 4.45% | 4.42% | 4.16% | 4.15% | 4.19% | 3.91% | 3.79% | -37 bps | |
| Efficiency Ratio | 73.98% | 75.44% | 62.91% | 75.57% | 77.56% | 79.35% | 88.45% | 86.26% | +1,069 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.23% | -6.24% | -6.95% | -3.39% | -1.67% | -0.33% | 2.29% | 1.57% | +496 bps | |
| Loan Growth (YoY) | -14.48% | -12.86% | -10.18% | -12.07% | -5.84% | -10.44% | -12.14% | -11.42% | +65 bps | |
| Share Growth (YoY) | 0.25% | -5.34% | -6.11% | -2.79% | -0.07% | 1.15% | 3.37% | 3.48% | +627 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.86% | 1.51% | 0.69% | 2.54% | 3.87% | 6.78% | 3.17% | 4.85% | +232 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 | 2.58% | 2.50% | 4.00% | 4.52% | 4.46% | 4.94% | 4.41% | 4.23% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.39% | 7.58% | 7.55% | 7.09% | 7.10% | 7.27% | 6.27% | 6.10% | -99 bps | |
| Net Worth / Assets | 7.39% | 7.58% | 7.55% | 7.09% | 7.10% | 7.27% | 6.27% | 6.10% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.75% | 45.13% | 42.62% | 40.50% | 40.28% | 39.96% | 36.23% | 34.67% | -583 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |