Honolulu, HI · Cert 58231
FDIC · 2 branches
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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 · Cert 58231
FDIC · 2 branches
Q2 2021
Market Position · Urban Honolulu, HI · 2021 SOD (annual) · 0.5% share · #9 of 13 inst. · $0.2B of $44.9B
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.91% | 0.53% | 0.47% | 0.61% | 0.65% | 0.55% | 0.51% | +4 bps | |
| Return on Equity | 7.49% | 8.20% | 4.89% | 4.38% | 5.68% | 6.05% | 5.17% | 4.89% | +51 bps | |
| Net Interest Margin | 3.32% | 3.25% | 3.01% | 2.75% | 2.65% | 2.74% | 2.87% | 2.67% | -8 bps | |
| Efficiency Ratio | 65.11% | 62.44% | 75.49% | 73.81% | 67.31% | 65.92% | 72.95% | 73.15% | -67 bps | |
| Non-Interest Burden | 2.08% | 1.95% | 2.23% | 1.99% | 1.73% | 1.75% | 2.05% | 1.91% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.76% | 14.49% | 12.50% | 22.68% | 12.98% | 7.61% | 13.63% | 11.47% | -1,120 bps | |
| Loan Growth (YoY) | 14.65% | 10.62% | 4.88% | 7.66% | 6.91% | 3.83% | 8.88% | 1.28% | -638 bps | |
| Deposit Growth (YoY) | 14.34% | 14.57% | 12.39% | 23.42% | 12.65% | 7.34% | 14.48% | 12.48% | -1,095 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.07% | 0.07% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.05% | -0.06% | -6 bps | |
| Allowance / Loans | 1.10% | 1.08% | 1.11% | 1.10% | 1.12% | 1.19% | 1.18% | 1.25% | +15 bps | |
| Allowance Coverage of NPLs | 15.7x | 15.7x | 16.0x | 16.5x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.28% | 11.36% | 10.87% | 10.75% | 10.56% | 11.04% | 11.00% | 10.14% | -61 bps | |
| Total Risk-Based Capital | 17.26% | 16.70% | 17.33% | 16.75% | 16.56% | 17.93% | 17.48% | 18.84% | +210 bps | |
| Equity / Assets | 11.06% | 10.75% | 11.02% | 10.20% | 10.75% | 10.90% | 10.47% | 9.69% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.99% | 88.60% | 88.77% | 82.30% | 87.30% | 85.71% | 84.42% | 74.11% | -819 bps | |
| Liquid Assets / Assets | 17.70% | 19.43% | 19.25% | 22.18% | 16.56% | 22.88% | 23.21% | 31.72% | +954 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |