Wahiawa, HI · Charter 2614
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Wahiawa, HI · Charter 2614
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.29% | -4.67% | -3.47% | -14.75% | -10.72% | -6.86% | -5.86% | -11.29% | +346 bps | |
| Return on Equity | -34.42% | -42.27% | -30.65% | -187.42% | -149.46% | -92.45% | -78.01% | -111.17% | +7,625 bps | |
| Net Interest Margin | 6.38% | 5.99% | 5.98% | 6.34% | 5.91% | 6.16% | 6.26% | 8.77% | +244 bps | |
| Efficiency Ratio | 71.40% | 78.18% | 79.91% | 75.25% | 79.92% | 88.40% | 93.55% | 191.81% | +11,657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | -3.58% | -5.32% | -8.26% | -4.30% | -12.21% | -16.21% | -50.42% | -4,216 bps | |
| Loan Growth (YoY) | -14.06% | -19.40% | -21.48% | -22.41% | -24.48% | -27.25% | -28.85% | -34.89% | -1,248 bps | |
| Share Growth (YoY) | 1.02% | 0.15% | -2.29% | -1.72% | 1.43% | -8.62% | -12.73% | -52.38% | -5,066 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.29% | 16.55% | 17.63% | 11.93% | 9.71% | 9.57% | 8.59% | 5.97% | -596 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 | 1.84% | 3.15% | 2.48% | 2.42% | 6.08% | 7.14% | 6.79% | 7.78% | +536 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.46% | 11.04% | 11.31% | 7.87% | 7.17% | 7.42% | 7.51% | 10.16% | +228 bps | |
| Net Worth / Assets | 12.46% | 11.04% | 11.31% | 7.87% | 7.17% | 7.42% | 7.51% | 10.16% | +228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.79% | 79.70% | 77.59% | 70.07% | 63.88% | 63.45% | 63.25% | 95.80% | +2,573 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |