Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Fair (3.6) profitability.
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (7.6). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 9.1.
Asset Mix:
Home mtgs (34%), securities (21%), comm re (15%), home eq lns (7%), comm loans (7%), cash (3%), consumer loans (1%), other (12%)
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
Investment Rating
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Address
300 North Beretania Street
Honolulu, HI 96817
Honolulu, HI 96817
Phone Number
(800) 272-2566
Year Founded
FDIC Number
Website
Largest Affiliates
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