Honolulu, HI · Charter 3442
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Honolulu, HI · Charter 3442
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.85% | 1.11% | 1.02% | 0.85% | 0.42% | 0.35% | -1.97% | -300 bps | |
| Return on Equity | 5.22% | 5.89% | 7.52% | 6.84% | 5.74% | 2.75% | 2.22% | -13.71% | -2,055 bps | |
| Net Interest Margin | 3.37% | 4.02% | 3.95% | 3.76% | 3.55% | 3.26% | 3.24% | 1.44% | -232 bps | |
| Efficiency Ratio | 78.17% | 78.83% | 71.97% | 72.99% | 76.24% | 87.14% | 89.26% | 235% | +16,245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.09% | 1.18% | 3.73% | -0.66% | 1.94% | -0.32% | -3.39% | -5.54% | -488 bps | |
| Loan Growth (YoY) | 28.77% | 24.92% | 19.51% | -8.88% | -12.35% | -13.33% | -11.94% | -8.25% | +63 bps | |
| Share Growth (YoY) | 4.03% | 0.59% | 3.39% | -1.87% | 1.28% | -1.41% | -4.70% | -5.54% | -367 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.01% | 0.00% | 0.24% | 0.00% | 0.06% | 0.00% | 0.00% | -24 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 | 1.03% | 1.08% | 1.12% | 1.14% | 1.18% | 1.24% | 1.27% | 1.24% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.17% | 14.50% | 14.77% | 14.92% | 14.75% | 15.29% | 15.77% | 14.41% | -52 bps | |
| Net Worth / Assets | 14.17% | 14.50% | 14.77% | 14.92% | 14.75% | 15.29% | 15.77% | 14.41% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.79% | 64.65% | 61.99% | 60.97% | 57.80% | 56.83% | 57.27% | 59.22% | -175 bps | |
| Liquid Assets / Assets | 31.10% | 20.08% | 46.95% | 30.53% | 50.53% | 50.79% | 0.00% | 0.00% | -3,053 bps | |