Lihue, HI · Charter 66069
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.55% | 0.57% | 0.55% | 0.35% | 0.21% | 0.23% | 2.41% | +186 bps | |
| Return on Equity | 7.05% | 3.71% | 3.80% | 3.62% | 2.29% | 1.46% | 1.59% | 14.78% | +1,116 bps | |
| Net Interest Margin | 2.83% | 2.44% | 2.46% | 2.48% | 2.43% | 2.18% | 2.27% | 2.38% | -11 bps | |
| Efficiency Ratio | 68.13% | 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 / Loans | 0.83% | 0.53% | 0.73% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.35% | 0.34% | 0.34% | 0.44% | 0.44% | 0.43% | 0.40% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.51% | 14.79% | 15.01% | 15.28% | 15.22% | 14.52% | 14.65% | 16.33% | +105 bps | |
| Net Worth / Assets | 14.51% | 14.79% | 15.01% | 15.28% | 15.22% | 14.52% | 14.65% | 16.33% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.88% | 39.81% | 40.48% | 41.16% | 40.66% | 37.32% | 36.91% | 38.87% | -229 bps | |
| Liquid Assets / Assets | 11.30% | 13.31% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |