Lihue, HI · Charter 66069
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Lihue, HI · Charter 66069
Q3 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.35% | 0.21% | 0.23% | 2.41% | +186 bps | |
| Return on Equity | 3.62% | 2.29% | 1.46% | 1.59% | 14.78% | +1,116 bps | |
| Net Interest Margin | 2.48% | 2.43% | 2.18% | 2.27% | 2.38% | -11 bps | |
| Efficiency Ratio | 82.23% | 86.99% | 91.01% | 91.04% | 52.04% | -3,019 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.54% | -2.44% | 3.64% | 3.70% | 4.78% | +632 bps | |
| Loan Growth (YoY) | 3.57% | -0.75% | -3.36% | -5.35% | -2.56% | -613 bps | |
| Share Growth (YoY) | -2.27% | -0.22% | 3.07% | 3.82% | 3.18% | +545 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 1.08% | 0.95% | 1.16% | 0.86% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.44% | 0.44% | 0.43% | 0.40% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.28% | 15.22% | 14.52% | 14.65% | 16.33% | +105 bps | |
| Net Worth / Assets | 15.28% | 15.22% | 14.52% | 14.65% | 16.33% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.16% | 40.66% | 37.32% | 36.91% | 38.87% | -229 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |