Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.0 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Good asset quality (6.5). Fair liquidity 3.7, driven by a liquidity ratio of 37.5 percent and a “hot money” ratio of 9.4 percent.
Asset Mix:
Securities (24%), comm re (19%), home mtgs (17%), cash (14%), comm loans (13%), 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
No affiliate information available.