Honolulu, HI · Charter 7649
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 7649
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -1.00% | -6.37% | -2.57% | -2.20% | -1.81% | 0.08% | -1.03% | +153 bps | |
| Return on Equity | -0.94% | -11.96% | -85.68% | -35.31% | -30.09% | -26.87% | 1.22% | -16.86% | +1,845 bps | |
| Net Interest Margin | 4.24% | 4.18% | 3.63% | 3.53% | 3.63% | 3.46% | 3.55% | 3.21% | -32 bps | |
| Efficiency Ratio | 97.50% | 97.47% | 198.35% | 136.13% | 127.30% | 113.95% | 97.95% | 113.44% | -2,269 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.42% | -4.69% | -8.53% | -2.04% | -7.45% | -4.27% | 2.73% | -2.67% | -63 bps | |
| Loan Growth (YoY) | -18.86% | -22.45% | -25.11% | -20.12% | -15.83% | -11.31% | -7.16% | -6.80% | +1,332 bps | |
| Share Growth (YoY) | -9.16% | -3.97% | -6.23% | 1.00% | -4.19% | -2.52% | 3.26% | -2.08% | -308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.09% | 2.16% | 2.16% | 2.83% | 1.57% | 1.34% | 3.85% | 3.12% | +29 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 | 0.60% | 0.54% | 1.66% | 1.68% | 1.65% | 1.70% | 1.60% | 0.00% | -168 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.43% | 8.36% | 7.44% | 7.27% | 7.32% | 6.72% | 6.79% | 6.13% | -114 bps | |
| Net Worth / Assets | 9.43% | 8.36% | 7.44% | 7.27% | 7.32% | 6.72% | 6.79% | 6.13% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.23% | 49.38% | 49.00% | 46.59% | 47.64% | 44.93% | 44.06% | 44.34% | -225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |