PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Hian Creditcorp Inc.

Honolulu, HI · Cert 24989

FDIC

Q1 1998

$416.3MAssets
$370.2MLoans
$349.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.68%, up 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 106.01% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.68%+5 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets1.66%1.69%1.69%1.63%1.65%1.67%1.68%1.68%+5 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-2.20%-0.48%-0.63%1.78%0.68%0.48%-1.81%-5.42%-719 bps
Loan Growth (YoY)-4.99%-2.24%-1.08%1.95%0.84%-3.63%-5.65%-8.04%-999 bps
Deposit Growth (YoY)5.24%2.46%1.24%3.61%0.92%2.25%0.96%-3.29%-690 bps
Asset Quality
Nonperforming 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 / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits111.29%111.71%111.81%111.49%111.21%105.29%104.48%106.01%-548 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a