Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.0 and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.6) profitability.
Asset Mix:
Securities (26%), comm re (21%), home mtgs (17%), comm loans (14%), cash (10%), home eq lns (5%), consumer loans (0%), other (7%)
States with Branches:
HI
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
Hawaii National Bancshares, Inc.
Investment Rating
--
Address
45 North King Street
Honolulu, HI 96817
Honolulu, HI 96817
Phone Number
(808) 528-7755
Year Founded
1960
FDIC Number
Website
Largest Affiliates
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