Ft. Shafter, HI · Charter 6300
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Ft. Shafter, HI · Charter 6300
Q4 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.08% | -1.95% | -1.31% | -1.08% | -3.40% | -3.10% | -5.42% | -411 bps | |
| Return on Equity | 15.75% | 1.90% | -56.55% | -36.35% | -29.66% | -149.43% | -151.91% | n/a | n/a | |
| Net Interest Margin | 3.99% | 3.22% | 2.94% | 3.04% | 3.10% | 2.09% | 2.66% | 2.49% | -56 bps | |
| Efficiency Ratio | 77.46% | 95.87% | 167.99% | 134.92% | 127.14% | 2095% | 503% | 955% | +81,977 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.18% | -12.76% | -7.26% | -7.52% | -7.35% | -14.85% | -21.76% | -22.45% | -1,494 bps | |
| Loan Growth (YoY) | 6.49% | 6.64% | 3.87% | 3.52% | 2.29% | 1.15% | 2.76% | -2.41% | -593 bps | |
| Share Growth (YoY) | -11.05% | -7.50% | -4.95% | -4.89% | -6.58% | -13.77% | -21.35% | -20.49% | -1,560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.58% | 1.49% | 2.73% | 2.74% | 1.77% | 1.49% | 0.68% | -205 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 | 0.46% | 0.48% | 1.68% | 1.49% | 1.45% | 1.64% | 1.58% | 1.96% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.38% | 4.40% | 3.46% | 3.60% | 3.65% | 2.27% | 2.04% | 0.00% | -360 bps | |
| Net Worth / Assets | 4.38% | 4.40% | 3.46% | 3.60% | 3.65% | 2.27% | 2.04% | 0.00% | -360 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.16% | 33.98% | 34.26% | 36.30% | 37.41% | 39.85% | 44.77% | 44.55% | +825 bps | |
| Liquid Assets / Assets | 52.81% | 56.06% | 40.26% | 28.48% | 30.28% | 30.35% | 26.50% | 28.17% | -31 bps | |