Hoolehua, HI · Charter 2223
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.11% | 0.12% | 0.13% | -0.16% | 0.30% | 0.21% | 0.19% | +6 bps | |
| Return on Equity | 0.87% | 0.58% | 0.63% | 0.64% | -0.78% | 1.55% | 1.09% | 0.93% | +29 bps | |
| Net Interest Margin | 4.19% | 3.52% | 3.69% | 3.85% | 4.10% | 4.11% | 4.20% | 4.44% | +59 bps | |
| Efficiency Ratio | 95.99% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.01% | 1.09% | 0.99% | 0.99% | 0.99% | 0.90% | 0.93% | 0.85% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.95% | 19.36% | 19.27% | 19.83% | 20.78% | 19.32% | 19.12% | 20.43% | +60 bps | |
| Net Worth / Assets | 19.95% | 19.36% | 19.27% | 19.83% | 20.78% | 19.32% | 19.12% | 20.43% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.55% | 53.55% | 58.50% | 60.02% | 64.38% | 64.18% | 61.68% | 72.45% | +1,243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |