PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Hawaii Credit Card, N.A.

Phoenix, AZ · Cert 35458

FDIC

Q2 2001

$309.7MAssets
n/aLoans
$550KDeposits
$299.0MEquity
Deposit mix
100%Interest-bearing $550K0%Noninterest $0KQ2 2000Q2 2001

NIM

15.30%Q1 ’013.25%Q2 ’01-79%

Non-interest income vs. expense

6.51%Q1 ’010.90%Q2 ’01+101%

Executive Summary

  • Earnings: ROA of 1.79%, up 7 bps year over year; NIM at 3.24%.
  • Funding: loans stand at 0.00% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

1.79%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.24%

Efficiency Ratio (quarter, annualized)

27.25%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.73%3.31%4.07%67.32%1.79%+7 bps
Return on Equityn/an/an/an/a1.96%n/an/a
Net Interest Marginn/an/an/a15.29%3.24%n/a
Efficiency Ration/an/an/a5.05%27.25%n/a
Non-Interest Burdenn/an/an/a-107.32%0.84%n/a
Growth
Asset Growth (YoY)n/an/an/an/a25.86%n/an/a
Loan Growth (YoY)n/an/an/an/a-100.00%n/an/a
Deposit Growth (YoY)n/an/an/an/a-9.39%n/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loansn/an/an/a1.11%n/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a104.66%474%n/a
Equity / Assetsn/an/an/a86.91%96.54%n/a
Liquidity & Funding
Loans / Deposits34132%17428%29339%0.00%0.00%-3,413,180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a