Honolulu, HI · Charter 63755
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.22% | -3.97% | -0.32% | -0.26% | 0.06% | 0.32% | 0.42% | +74 bps | |
| Return on Equity | 2.48% | 2.04% | -43.73% | -3.46% | -2.89% | 0.69% | 3.61% | 4.66% | +812 bps | |
| Net Interest Margin | 3.15% | 3.13% | 3.35% | 3.16% | 3.23% | 3.36% | 3.27% | 3.11% | -5 bps | |
| Efficiency Ratio | 79.22% | 79.26% | 90.89% | 78.96% | 76.87% | 75.97% | 68.36% | 69.38% | -958 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 5.49% | 5.41% | 13.02% | 16.37% | 13.34% | 14.43% | 7.99% | -503 bps | |
| Loan Growth (YoY) | -3.64% | -1.31% | -2.36% | -4.73% | -5.63% | -2.21% | -2.47% | -4.91% | -18 bps | |
| Share Growth (YoY) | 2.57% | 6.04% | 6.70% | 14.61% | 18.82% | 15.29% | 15.05% | 8.15% | -646 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.76% | 0.69% | 0.74% | 0.44% | 0.82% | 0.83% | 0.30% | -44 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 | 0.83% | 0.98% | 1.15% | 1.13% | 1.38% | 1.50% | 1.52% | 1.49% | +36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.76% | 10.60% | 9.08% | 9.20% | 9.07% | 9.42% | 8.94% | 9.05% | -16 bps | |
| Net Worth / Assets | 10.76% | 10.60% | 9.08% | 9.20% | 9.07% | 9.42% | 8.94% | 9.05% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.51% | 60.33% | 55.07% | 50.78% | 48.86% | 51.17% | 46.68% | 44.65% | -613 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |