Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (1.3) profitability. A current level of 28.7 percent of nonperforming loans to core capital combined with 14.9 percent from a year earlier contributes to the Weak asset quality (1.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 9.5.
Asset Mix:
Comm re (27%), securities (24%), cash (9%), consumer loans (9%), home mtgs (7%), comm loans (7%), other (16%)
States with Branches:
CA, FM, GU, MH, MP, PW
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
BankGuam Holding Company
Investment Rating
Address
111 West Chalan Santo Papa
Hagatna, GU 96910
Hagatna, GU 96910
Phone Number
(671) 472-5300
Year Founded
1972
FDIC Number
Website
Largest Affiliates
No affiliate information available.