Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.6) profitability. A current level of 16.0 percent of nonperforming loans to core capital combined with 16.8 percent from a year earlier contributes to the Fair asset quality (3.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.7 and a capital leverage ratio of 12.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Securities (23%), home mtgs (22%), cash (18%), consumer loans (13%), comm re (4%), comm loans (4%), home eq lns (4%), other (11%)
States with Branches:
GU, 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
Marianas Finance Corporation
Investment Rating
--
Address
151 Aspinall Avenue
Hagatna, GU 96910
Hagatna, GU 96910
Phone Number
(671) 477-2671
Year Founded
1954
FDIC Number
Website
Largest Affiliates
No affiliate information available.