Keaau, HI · Charter 2859
Q2 2000
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.84% | 2.87% | 3.02% | 2.72% | 2.32% | 2.32% | 0.21% | -0.77% | -349 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 5.08% | 4.91% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 76.34% | 87.35% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.17% | -10.40% | -7.14% | -2.44% | 10.02% | 8.19% | 11.67% | 16.98% | +1,942 bps | |
| Loan Growth (YoY) | 17.18% | 4.86% | 4.50% | -2.75% | -11.87% | -22.17% | -19.82% | -12.46% | -970 bps | |
| Share Growth (YoY) | -15.46% | -12.94% | -7.66% | -2.16% | 11.06% | 10.66% | 11.87% | 19.25% | +2,141 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.51% | 1.41% | 2.24% | 3.10% | 1.68% | 1.21% | 1.93% | -32 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 | 0.87% | 0.46% | 0.76% | 1.01% | 1.05% | 1.78% | 1.57% | 2.23% | +122 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.19% | 86.14% | 87.91% | 78.51% | 69.98% | 60.59% | 63.01% | 57.64% | -2,087 bps | |
| Liquid Assets / Assets | 13.39% | 13.53% | 12.66% | 20.59% | 6.63% | 36.24% | 33.22% | 26.07% | +549 bps | |