Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.6) profitability.
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (7.0). Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 9.4.
Asset Mix:
Securities (22%), home mtgs (16%), comm re (15%), comm loans (8%), home eq lns (5%), cash (4%), consumer loans (4%), other (25%)
States with Branches:
GU, HI, MP
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Hawaiian, Inc.
Investment Rating
--
Address
999 Bishop Street
Honolulu, HI 96813
Honolulu, HI 96813
Phone Number
(808) 525-6340
Year Founded
1858
FDIC Number
Website
Largest Affiliates
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