Hagatna, GU · Cert 33316
FDIC · 3 branches
Q4 2023
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.65% | -0.52% | -0.61% | -1.82% | -17.39% | -20.73% | -18.57% | -18.49% | -1,667 bps | |
| Return on Equity | -6.28% | -4.87% | -5.01% | -13.46% | -50.88% | -50.81% | -41.04% | -38.30% | -2,484 bps | |
| Net Interest Margin | 0.74% | 1.09% | 1.83% | 3.23% | 4.95% | 7.14% | 7.76% | 7.04% | +381 bps | |
| Efficiency Ratio | 150.64% | 134.46% | 133.96% | 176.20% | 322% | 458% | 345% | 434% | +25,730 bps | |
| Non-Interest Burden | 1.66% | 1.84% | 2.87% | 6.89% | 15.75% | 32.99% | 34.97% | 33.06% | +2,617 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.59% | -10.16% | -50.59% | -65.73% | -84.49% | -89.53% | -81.44% | -75.07% | -934 bps | |
| Loan Growth (YoY) | -31.50% | -36.16% | -38.92% | -92.47% | -94.43% | -93.83% | -100.00% | -100.00% | -753 bps | |
| Deposit Growth (YoY) | 2.59% | -10.69% | -56.27% | -71.98% | -92.02% | -97.61% | -94.30% | -100.00% | -2,802 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 12.67% | 3.66% | 3.39% | 25.23% | 44.59% | 61.71% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 1.62% | 1.03% | 0.94% | 22.76% | 34.99% | -101.29% | 1003% | n/a | n/a | |
| Allowance / Loans | 3.82% | 4.47% | 4.91% | 28.17% | 33.27% | 95.26% | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | 0.3x | 1.2x | 1.4x | 1.1x | 0.7x | 1.5x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.29% | 10.96% | 14.89% | 21.02% | 39.54% | 60.61% | 74.76% | 70.67% | +4,966 bps | |
| Total Risk-Based Capital | 10.29% | 10.96% | 14.89% | 21.02% | 39.54% | 60.61% | 74.76% | 70.67% | +4,966 bps | |
| Equity / Assets | 10.39% | 11.64% | 20.69% | 26.21% | 52.20% | 76.91% | 74.49% | 72.25% | +4,605 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 13.16% | 12.81% | 22.88% | 3.81% | 9.18% | 33.09% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 82.72% | 85.20% | 80.01% | 94.06% | 94.12% | 97.09% | 97.20% | 9.97% | -8,409 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |