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Lihue

Lihue, HI · Charter 66069

Q3 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lihue

Lihue, HI · Charter 66069

Q3 2007

$57.4MAssets
$18.7MLoans
$48.1MShares
$9.4MNet Worth

Executive Summary

  • Earnings: ROA of 2.41%, up 186 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.86% of loans (-12 bps YoY).
  • Capital: net worth / assets of 16.33%, up 105 bps from a year ago.
  • Funding: loans stand at 38.87% of shares as of Q3 2007.

Return on Assets (YTD, annualized)

2.41%+186 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-11 bps YoY

Efficiency Ratio (YTD, annualized)

52.04%-3,019 bps YoY

Net Worth / Assets

16.33%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.02%0.55%0.57%0.55%0.35%0.21%0.23%2.41%+186 bps
Return on Equity7.05%3.71%3.80%3.62%2.29%1.46%1.59%14.78%+1,116 bps
Net Interest Margin2.83%2.44%2.46%2.48%2.43%2.18%2.27%2.38%-11 bps
Efficiency Ratio68.13%85.85%82.59%82.23%86.99%91.01%91.04%52.04%-3,019 bps
Growth
Asset Growth (YoY)-2.18%-3.18%-4.44%-1.54%-2.44%3.64%3.70%4.78%+632 bps
Loan Growth (YoY)8.99%9.59%7.72%3.57%-0.75%-3.36%-5.35%-2.56%-613 bps
Share Growth (YoY)-6.42%-4.50%-5.21%-2.27%-0.22%3.07%3.82%3.18%+545 bps
Asset Quality
Delinquent Loans / Loans0.83%0.53%0.73%0.98%1.08%0.95%1.16%0.86%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.49%0.35%0.34%0.34%0.44%0.44%0.43%0.40%+6 bps
Capital
Risk-Based Capital14.51%14.79%15.01%15.28%15.22%14.52%14.65%16.33%+105 bps
Net Worth / Assets14.51%14.79%15.01%15.28%15.22%14.52%14.65%16.33%+105 bps
Liquidity & Funding
Loans / Shares40.88%39.81%40.48%41.16%40.66%37.32%36.91%38.87%-229 bps
Liquid Assets / Assets11.30%13.31%0.00%0.00%0.00%0.00%0.00%0.00%0 bps