Hilo, HI · Charter 63807
Q3 1999
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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.63% | 4.83% | 4.55% | 4.50% | 4.45% | 4.42% | 4.24% | 0.94% | -356 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.30% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 67.47% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.74% | 3.98% | 6.98% | 4.92% | 5.77% | 7.32% | 8.70% | 10.56% | +565 bps | |
| Loan Growth (YoY) | 5.62% | 9.06% | 11.79% | 12.24% | 6.30% | 4.27% | 6.69% | 17.63% | +540 bps | |
| Share Growth (YoY) | 3.22% | 3.50% | 6.88% | 4.62% | 5.82% | 6.24% | 7.90% | 8.31% | +369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.68% | 1.67% | 1.64% | 0.90% | 0.89% | 0.68% | 0.49% | 0.74% | -16 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 | 0.67% | 0.75% | 0.82% | 0.84% | 0.79% | 0.78% | 0.74% | 0.70% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.15% | 67.63% | 67.13% | 68.87% | 66.44% | 66.38% | 66.37% | 74.80% | +593 bps | |
| Liquid Assets / Assets | 22.62% | 21.14% | 17.34% | 20.35% | 23.88% | 13.45% | 17.71% | 12.93% | -742 bps | |