Honolulu, HI · Charter 65857
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.77% | 0.73% | 0.50% | 1.83% | 1.37% | 1.07% | 0.22% | -28 bps | |
| Return on Equity | 5.83% | 5.90% | 5.57% | 4.48% | 15.69% | 11.88% | 9.44% | 1.97% | -252 bps | |
| Net Interest Margin | 3.35% | 3.35% | 3.32% | 3.06% | 2.98% | 2.96% | 2.87% | 2.59% | -46 bps | |
| Efficiency Ratio | 78.49% | 78.17% | 78.78% | 84.97% | 58.22% | 64.41% | 69.66% | 89.81% | +483 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.38% | 10.35% | 5.44% | 3.89% | 5.75% | 8.25% | 10.23% | 8.04% | +415 bps | |
| Loan Growth (YoY) | -0.31% | 3.49% | 9.74% | 6.09% | 5.03% | 2.87% | 2.25% | 7.67% | +158 bps | |
| Share Growth (YoY) | 8.62% | 10.92% | 5.26% | 5.49% | 6.85% | 9.95% | 12.51% | 8.13% | +264 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.17% | 0.33% | 0.35% | 0.32% | 0.30% | 0.20% | 0.17% | -18 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 | 0.20% | 0.19% | 0.23% | 0.23% | 0.18% | 0.17% | 0.15% | 0.20% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.81% | 13.02% | 13.06% | 11.20% | 11.66% | 11.54% | 11.29% | 11.37% | +17 bps | |
| Net Worth / Assets | 12.81% | 13.02% | 13.06% | 11.20% | 11.66% | 11.54% | 11.29% | 11.37% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.92% | 48.18% | 47.39% | 43.04% | 45.14% | 45.08% | 43.06% | 42.86% | -18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |