Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (3.3) profitability. A current level of 5.3 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 11.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), securities (13%), comm re (12%), home eq lns (7%), cash (4%), other (35%)
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
Finance Enterprises, Ltd.
Investment Rating
--
Address
1164 Bishop Street
Honolulu, HI 96813
Honolulu, HI 96813
Phone Number
(808) 522-2000
Year Founded
1952
FDIC Number
Website
Largest Affiliates
No affiliate information available.