Honolulu, HI · Charter 7597
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 7597
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -1.82% | -1.38% | -1.14% | -1.32% | -0.36% | -0.20% | -4.36% | -322 bps | |
| Return on Equity | -7.95% | -21.72% | -16.56% | -13.72% | -16.70% | -4.50% | -2.26% | -72.05% | -5,834 bps | |
| Net Interest Margin | 2.86% | 2.57% | 2.64% | 2.71% | 2.74% | 2.76% | 2.98% | 3.18% | +47 bps | |
| Efficiency Ratio | 117.88% | 138.86% | 127.46% | 123.65% | 130.20% | 114.20% | 112.48% | 191.92% | +6,827 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.13% | -0.20% | -1.96% | -3.01% | -4.69% | -5.36% | -11.76% | -15.67% | -1,266 bps | |
| Loan Growth (YoY) | -12.81% | -6.18% | -8.37% | 2.24% | 5.86% | 1.91% | 0.10% | -7.72% | -996 bps | |
| Share Growth (YoY) | 1.03% | 0.95% | -0.81% | -1.27% | -3.75% | -4.82% | -11.81% | -13.45% | -1,218 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.29% | 2.23% | 1.62% | 2.55% | 2.44% | 2.38% | 2.37% | 2.12% | -43 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 | 2.15% | 2.34% | 2.03% | 1.76% | 1.79% | 1.66% | 1.49% | 2.98% | +123 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.80% | 8.37% | 8.31% | 8.33% | 7.91% | 7.91% | 8.64% | 6.06% | -227 bps | |
| Net Worth / Assets | 8.80% | 8.37% | 8.31% | 8.33% | 7.91% | 7.91% | 8.64% | 6.06% | -227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.32% | 39.97% | 40.55% | 43.82% | 44.34% | 42.80% | 46.02% | 46.72% | +290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |