Kula, HI · Charter 9285
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.13% | 0.45% | 0.02% | -0.15% | 0.08% | -6.49% | -5.66% | -568 bps | |
| Return on Equity | 1.15% | 0.79% | 2.83% | 0.11% | -1.58% | 0.89% | -59.10% | -53.33% | -5,344 bps | |
| Net Interest Margin | 1.48% | 1.35% | 1.60% | 1.11% | 1.21% | 1.49% | 1.20% | 0.98% | -14 bps | |
| Efficiency Ratio | 79.99% | 83.20% | 68.70% | 93.74% | 112.05% | 94.59% | 240% | 295% | +20,108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.49% | 9.11% | 7.33% | 7.13% | 3.46% | -2.87% | -2.26% | -4.25% | -1,138 bps | |
| Loan Growth (YoY) | -5.22% | -3.67% | -6.35% | -5.72% | -5.66% | -10.22% | -10.06% | -14.92% | -920 bps | |
| Share Growth (YoY) | 6.59% | 11.04% | 8.35% | 8.53% | 12.17% | 4.49% | 3.32% | 1.22% | -731 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.42% | 6.27% | 7.31% | 12.72% | 10.76% | 0.36% | 1.40% | 1.56% | -1,115 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 | 0.43% | 0.54% | 0.57% | 0.59% | 17.03% | 16.82% | 10.33% | 11.02% | +1,042 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.66% | 15.84% | 15.80% | 15.59% | 9.64% | 9.39% | 10.99% | 10.62% | -497 bps | |
| Net Worth / Assets | 16.66% | 15.84% | 15.80% | 15.59% | 9.64% | 9.39% | 10.99% | 10.62% | -497 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.84% | 43.78% | 41.59% | 41.39% | 39.40% | 37.62% | 36.20% | 34.79% | -660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |