Honolulu, HI · Charter 9862
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 | -0.12% | -0.27% | -4.14% | -1.51% | -1.17% | -1.02% | -1.08% | -5.55% | -405 bps | |
| Return on Equity | -1.53% | -3.62% | -67.87% | -24.16% | -17.96% | -16.64% | -18.68% | -232% | -20,794 bps | |
| Net Interest Margin | 4.67% | 4.51% | 3.56% | 3.60% | 3.72% | 3.45% | 2.72% | 2.60% | -101 bps | |
| Efficiency Ratio | 106.10% | 107.15% | 109.36% | 133.08% | 101.45% | 105.00% | 130.32% | 230% | +9,674 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.94% | 0.45% | 1.97% | 2.60% | 1.74% | 3.29% | 1.07% | -8.54% | -1,113 bps | |
| Loan Growth (YoY) | -13.39% | -14.16% | -33.66% | -28.15% | -20.61% | -20.29% | -4.40% | -18.63% | +952 bps | |
| Share Growth (YoY) | -4.97% | 0.90% | 3.47% | 3.94% | 2.63% | 4.80% | 1.54% | -4.89% | -883 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.59% | 2.56% | 3.96% | 2.71% | 3.17% | 3.04% | 3.01% | 1.98% | -73 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 | 0.28% | 0.44% | 0.72% | 0.71% | 0.48% | 0.55% | 0.66% | 5.15% | +444 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.71% | 7.40% | 6.10% | 6.24% | 6.52% | 6.14% | 5.78% | 2.39% | -385 bps | |
| Net Worth / Assets | 7.71% | 7.40% | 6.10% | 6.24% | 6.52% | 6.14% | 5.78% | 2.39% | -385 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.23% | 44.34% | 33.43% | 33.24% | 35.77% | 33.72% | 31.48% | 28.44% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.59% | 0.00% | 0.00% | 0 bps | |