Na'alehu, HI · Charter 2860
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Na'alehu, HI · Charter 2860
Q4 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.51% | -1.15% | -1.20% | 0.01% | -2.95% | -6.71% | -4.53% | -333 bps | |
| Return on Equity | -1.00% | -5.07% | -12.08% | -12.35% | 0.16% | -48.28% | -277% | -154.84% | -14,249 bps | |
| Net Interest Margin | 5.08% | 5.04% | 5.28% | 5.23% | 4.73% | 4.54% | 5.30% | 5.33% | +9 bps | |
| Efficiency Ratio | 81.43% | 85.97% | 76.90% | 90.44% | 97.65% | 113.51% | 140.54% | 120.67% | +3,023 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.59% | -3.54% | -15.18% | -15.68% | -1.72% | 3.14% | -13.58% | -9.63% | +606 bps | |
| Loan Growth (YoY) | -1.79% | 1.72% | 5.63% | -5.53% | -1.54% | -3.70% | -3.81% | -3.26% | +227 bps | |
| Share Growth (YoY) | -7.50% | -0.03% | -1.04% | -4.69% | 1.67% | 8.15% | -6.62% | 4.37% | +906 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 5.04% | 1.66% | 4.10% | 0.73% | 2.25% | 6.40% | 4.88% | +78 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 | 1.59% | 1.98% | 2.23% | 2.16% | 3.41% | 3.98% | 7.01% | 6.54% | +437 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.63% | 10.05% | 9.53% | 9.71% | 8.08% | 6.11% | 2.42% | 2.93% | -678 bps | |
| Net Worth / Assets | 10.63% | 10.05% | 9.53% | 9.71% | 8.08% | 6.11% | 2.42% | 2.93% | -678 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.99% | 82.83% | 79.14% | 83.56% | 81.35% | 73.75% | 81.51% | 77.45% | -611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |