Honolulu, HI · Charter 6721
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Honolulu, HI · Charter 6721
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.13% | 1.12% | 0.99% | 1.64% | 1.38% | 1.37% | 1.30% | +31 bps | |
| Return on Equity | 10.36% | 10.42% | 10.15% | 8.77% | 13.75% | 11.08% | 10.47% | 9.57% | +80 bps | |
| Net Interest Margin | 3.74% | 3.71% | 3.74% | 3.84% | 4.40% | 4.45% | 4.68% | 4.81% | +97 bps | |
| Efficiency Ratio | 70.22% | 69.64% | 70.03% | 78.17% | 62.67% | 69.07% | 70.79% | 73.01% | -516 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.02% | 5.96% | 4.16% | 2.28% | -0.28% | -4.29% | -6.87% | -7.98% | -1,026 bps | |
| Loan Growth (YoY) | 1.70% | 4.45% | 1.76% | 0.66% | 0.67% | -2.34% | -6.45% | -4.77% | -543 bps | |
| Share Growth (YoY) | 7.90% | 5.40% | 3.18% | 1.42% | -1.65% | -6.04% | -8.87% | -10.27% | -1,169 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 1.65% | 1.13% | 1.81% | 0.97% | 1.22% | 1.56% | 1.26% | -55 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 | 1.94% | 2.02% | 1.98% | 1.70% | 1.69% | 1.63% | 1.67% | 1.66% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.78% | 10.82% | 11.07% | 11.30% | 11.95% | 12.43% | 13.06% | 13.58% | +228 bps | |
| Net Worth / Assets | 10.78% | 10.82% | 11.07% | 11.30% | 11.95% | 12.43% | 13.06% | 13.58% | +228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.44% | 49.72% | 50.85% | 50.86% | 52.65% | 51.68% | 52.20% | 53.98% | +312 bps | |
| Liquid Assets / Assets | 37.11% | 45.94% | 51.46% | 53.58% | 52.22% | 0.00% | 0.00% | 0.00% | -5,358 bps | |