Honolulu, HI · Charter 2941
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.57% | 0.25% | 0.14% | -0.22% | -0.13% | 0.23% | 0.19% | -5.23% | -501 bps | |
| Return on Equity | -21.53% | 3.52% | 2.05% | -3.16% | -1.84% | 3.32% | 2.72% | -155.64% | -15,248 bps | |
| Net Interest Margin | 2.51% | 3.18% | 3.11% | 3.20% | 3.28% | 2.95% | 2.81% | 2.80% | -41 bps | |
| Efficiency Ratio | 148.15% | 102.05% | 100.43% | 109.02% | 103.50% | 92.95% | 93.90% | 229% | +11,999 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.25% | 0.74% | 3.23% | 0.63% | -0.92% | -0.62% | -3.46% | -4.58% | -521 bps | |
| Loan Growth (YoY) | 34.93% | 70.27% | 79.54% | 66.90% | 8.66% | -21.96% | -24.40% | -56.93% | -12,383 bps | |
| Share Growth (YoY) | 1.71% | 2.77% | 4.96% | 2.06% | -0.69% | -0.65% | -3.70% | -3.47% | -553 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 0.79% | 1.17% | 1.22% | 1.14% | 1.25% | 1.04% | 1.64% | +42 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 | 0.40% | 0.23% | 0.28% | 0.34% | 0.50% | 0.65% | 0.50% | 1.29% | +95 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.29% | 7.17% | 6.99% | 6.91% | 7.02% | 7.08% | 7.14% | 3.36% | -355 bps | |
| Net Worth / Assets | 7.29% | 7.17% | 6.99% | 6.91% | 7.02% | 7.08% | 7.14% | 3.36% | -355 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.26% | 59.23% | 57.77% | 53.62% | 50.62% | 46.52% | 45.35% | 23.93% | -2,969 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.77% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |