Honolulu, HI · Charter 5368
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 5368
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.50% | -2.27% | -2.15% | -1.91% | -0.95% | -1.04% | -1.11% | -2.57% | -66 bps | |
| Return on Equity | -25.64% | -25.48% | -24.34% | -23.19% | -11.32% | -13.01% | -14.81% | -41.93% | -1,873 bps | |
| Net Interest Margin | 1.96% | 1.89% | 2.00% | 2.04% | 2.54% | 2.44% | 2.36% | 2.46% | +43 bps | |
| Efficiency Ratio | 219% | 212% | 196.78% | 184.80% | 134.21% | 139.06% | 140.74% | 191.11% | +631 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.90% | -0.77% | 0.48% | 9.10% | -1.76% | -4.41% | 1.71% | -5.51% | -1,461 bps | |
| Loan Growth (YoY) | -17.11% | -4.94% | 16.58% | 22.99% | 21.41% | 22.55% | -0.61% | -0.64% | -2,363 bps | |
| Share Growth (YoY) | -0.93% | 1.64% | 3.15% | 12.61% | -0.18% | -3.47% | 3.32% | -3.29% | -1,589 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.88% | 0.24% | 0.31% | 0.00% | 0.83% | 0.23% | 0.23% | -8 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 | 1.29% | 1.31% | 1.12% | 1.08% | 1.13% | 0.99% | 0.92% | 0.85% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.77% | 8.92% | 8.82% | 8.22% | 8.35% | 8.02% | 7.50% | 6.13% | -209 bps | |
| Net Worth / Assets | 9.77% | 8.92% | 8.82% | 8.22% | 8.35% | 8.02% | 7.50% | 6.13% | -209 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.98% | 35.72% | 45.89% | 45.89% | 46.19% | 45.35% | 44.15% | 47.15% | +125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |