Honolulu, HI · Charter 7510
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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 7510
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.10% | -1.07% | -1.40% | -1.31% | -1.30% | -1.49% | -0.35% | +105 bps | |
| Return on Equity | 2.76% | 0.66% | -7.23% | -10.93% | -10.72% | -10.04% | -14.92% | -3.32% | +761 bps | |
| Net Interest Margin | 5.25% | 5.24% | 4.01% | 3.32% | 3.18% | 3.43% | 2.67% | 2.59% | -73 bps | |
| Efficiency Ratio | 92.44% | 98.14% | 126.28% | 141.27% | 140.15% | 137.09% | 151.61% | 108.93% | -3,235 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.36% | -8.19% | -6.50% | 6.79% | 10.13% | 7.80% | 13.00% | -2.29% | -908 bps | |
| Loan Growth (YoY) | 1.37% | -6.96% | -15.16% | -26.47% | -18.80% | -23.99% | -16.72% | -11.22% | +1,525 bps | |
| Share Growth (YoY) | -12.11% | -10.06% | -7.96% | 7.16% | 13.29% | 10.28% | 18.70% | -1.38% | -855 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.45% | 1.01% | 4.67% | 1.28% | 4.81% | 2.60% | 3.61% | 7.02% | +574 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 | 2.12% | 2.16% | 2.47% | 2.67% | 2.61% | 2.84% | 2.96% | 3.00% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.64% | 15.30% | 14.81% | 12.79% | 12.18% | 12.95% | 9.97% | 10.53% | -226 bps | |
| Net Worth / Assets | 14.64% | 15.30% | 14.81% | 12.79% | 12.18% | 12.95% | 9.97% | 10.53% | -226 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.80% | 41.72% | 35.84% | 28.80% | 28.53% | 28.76% | 25.14% | 25.93% | -287 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |