Honolulu, HI · Cert 58137
FDIC · 1 branch
Q1 2015
Market Position · Urban Honolulu, HI · 2014 SOD (annual) · 0.4% share · #9 of 13 inst. · $0.1B of $30.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.08% | -0.30% | -0.14% | -0.86% | -0.10% | -0.11% | -1.61% | -0.75% | +11 bps | |
| Return on Equity | -15.95% | -4.18% | -1.76% | -10.71% | -1.29% | -1.37% | -19.98% | -9.97% | +75 bps | |
| Net Interest Margin | 2.75% | 3.30% | 2.99% | 3.13% | 3.21% | 3.06% | 3.49% | 2.92% | -21 bps | |
| Efficiency Ratio | 136.11% | 106.81% | 104.76% | 127.22% | 102.95% | 103.17% | 108.01% | 124.82% | -240 bps | |
| Non-Interest Burden | 3.78% | 3.53% | 3.13% | 4.01% | 3.31% | 3.18% | 3.78% | 3.67% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | -0.31% | -0.92% | -6.96% | -9.62% | -10.44% | -3.44% | 1.85% | +881 bps | |
| Loan Growth (YoY) | -7.14% | -4.10% | 3.79% | 7.70% | 1.21% | -2.42% | -3.51% | -6.12% | -1,382 bps | |
| Deposit Growth (YoY) | 3.10% | -1.39% | -1.86% | -7.98% | -11.03% | -11.13% | -3.02% | 2.69% | +1,067 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.24% | -0.05% | -0.04% | -0.12% | 0.07% | 0.00% | 1.40% | +144 bps | |
| Allowance / Loans | 2.75% | 2.77% | 2.76% | 2.71% | 2.83% | 2.87% | 2.89% | 2.55% | -16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.41% | n/a | n/a |
| Total Risk-Based Capital | 13.31% | 14.39% | 14.14% | 13.36% | 13.65% | 13.62% | 13.88% | 12.42% | -94 bps | |
| Equity / Assets | 6.65% | 7.62% | 8.06% | 8.00% | 8.17% | 8.43% | 7.70% | 7.28% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.13% | 65.33% | 68.24% | 71.18% | 70.67% | 71.74% | 67.90% | 65.07% | -611 bps | |
| Liquid Assets / Assets | 35.06% | 33.28% | 29.75% | 26.83% | 23.62% | 23.14% | 26.46% | 29.09% | +226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |