Aiea, HI · Charter 2103
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Aiea, HI · Charter 2103
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.53% | 0.63% | -0.07% | -2.13% | -2.05% | -2.22% | -2.02% | -2.79% | -66 bps | |
| Return on Equity | -14.95% | 2.49% | -0.31% | -10.35% | -10.21% | -12.46% | -11.30% | -16.75% | -640 bps | |
| Net Interest Margin | 4.85% | 4.53% | 3.78% | 2.58% | 2.53% | 2.22% | 1.68% | 1.84% | -74 bps | |
| Efficiency Ratio | 71.06% | 80.98% | 95.77% | 171.50% | 169.47% | 187.54% | 218% | 250% | +7,857 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -30.73% | -29.94% | -20.97% | -6.19% | 8.35% | 24.40% | 13.55% | 6.54% | +1,273 bps | |
| Loan Growth (YoY) | -32.56% | -35.20% | -23.86% | -17.69% | -12.72% | -24.88% | -16.89% | -15.87% | +182 bps | |
| Share Growth (YoY) | -34.90% | -34.50% | -23.05% | -2.04% | 13.81% | 37.18% | 22.05% | 11.18% | +1,322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.44% | 6.91% | 6.56% | 5.01% | 3.90% | 4.06% | 3.49% | 5.60% | +59 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 | 5.03% | 5.72% | 6.19% | 7.08% | 6.59% | 8.32% | 8.81% | 9.41% | +233 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.62% | 25.35% | 23.47% | 20.58% | 20.06% | 17.84% | 17.87% | 16.67% | -391 bps | |
| Net Worth / Assets | 23.62% | 25.35% | 23.47% | 20.58% | 20.06% | 17.84% | 17.87% | 16.67% | -391 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.95% | 49.28% | 39.48% | 32.96% | 36.78% | 26.99% | 26.89% | 24.94% | -802 bps | |
| Liquid Assets / Assets | 46.42% | 62.00% | 53.61% | 58.40% | 55.50% | 77.67% | 77.47% | 77.61% | +1,921 bps | |