Koloa, HI · Charter 2576
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.33% | -0.91% | -0.91% | -1.84% | -2.09% | -0.64% | -0.18% | -0.03% | +181 bps | |
| Return on Equity | -7.94% | -5.68% | -6.20% | -13.47% | -14.93% | -4.58% | -1.27% | -0.20% | +1,327 bps | |
| Net Interest Margin | 2.73% | 2.80% | 2.55% | 2.65% | 2.82% | 2.44% | 2.98% | 2.82% | +17 bps | |
| Efficiency Ratio | 121.04% | 117.75% | 121.21% | 119.97% | 121.75% | 106.14% | 90.84% | 90.75% | -2,922 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.57% | 13.17% | 20.45% | 16.80% | 2.19% | 0.92% | -9.01% | -7.89% | -2,468 bps | |
| Loan Growth (YoY) | -6.24% | -12.30% | -14.62% | -15.02% | -11.33% | -9.77% | -8.89% | -12.13% | +289 bps | |
| Share Growth (YoY) | 18.12% | 20.03% | 28.69% | 24.24% | 5.81% | 3.61% | -8.59% | -8.45% | -3,269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 3.41% | 3.82% | 3.63% | 4.49% | 2.55% | 3.52% | 2.77% | -86 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 | 1.11% | 1.71% | 1.97% | 5.22% | 6.25% | 6.36% | 7.07% | 6.60% | +138 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.73% | 16.06% | 14.72% | 13.66% | 13.97% | 13.89% | 14.42% | 14.18% | +53 bps | |
| Net Worth / Assets | 16.73% | 16.06% | 14.72% | 13.66% | 13.97% | 13.89% | 14.42% | 14.18% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.66% | 29.47% | 26.16% | 25.02% | 26.53% | 25.67% | 26.08% | 24.01% | -101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |