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First Hawaiian Homes

Hoolehua, HI · Charter 2223

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Hawaiian Homes

Hoolehua, HI · Charter 2223

Q3 2015

$3.2MAssets
$1.8MLoans
$2.5MShares
$652KNet Worth

Executive Summary

  • Earnings: ROA of 0.19%, up 6 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.43%, up 60 bps from a year ago.
  • Funding: loans stand at 72.45% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.19%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.44%+59 bps YoY

Efficiency Ratio (YTD, annualized)

95.81%-102 bps YoY

Net Worth / Assets

20.43%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.17%0.11%0.12%0.13%-0.16%0.30%0.21%0.19%+6 bps
Return on Equity0.87%0.58%0.63%0.64%-0.78%1.55%1.09%0.93%+29 bps
Net Interest Margin4.19%3.52%3.69%3.85%4.10%4.11%4.20%4.44%+59 bps
Efficiency Ratio95.99%96.91%96.80%96.83%103.84%92.86%95.16%95.81%-102 bps
Growth
Asset Growth (YoY)-0.19%-1.83%-0.95%-0.27%-4.24%0.17%0.76%-3.01%-274 bps
Loan Growth (YoY)-11.16%-22.68%-13.80%-1.90%2.59%20.39%6.47%16.21%+1,811 bps
Share Growth (YoY)-0.29%-2.57%-1.34%-0.41%-5.11%0.44%0.99%-3.73%-332 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.01%1.09%0.99%0.99%0.99%0.90%0.93%0.85%-14 bps
Capital
Risk-Based Capital19.95%19.36%19.27%19.83%20.78%19.32%19.12%20.43%+60 bps
Net Worth / Assets19.95%19.36%19.27%19.83%20.78%19.32%19.12%20.43%+60 bps
Liquidity & Funding
Loans / Shares59.55%53.55%58.50%60.02%64.38%64.18%61.68%72.45%+1,243 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps