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Overview / Commentary
800-272-2566
1001 Bishop Street, 30th Floor
Honolulu, HI 96813

American Savings Bank, FSB (HI) is headquartered in Honolulu and is the 3rd largest bank in the state of Hawaii. It is also the 170th largest bank in the nation. It was established in 1987 and as of March of 2014, it had grown to 1,157 employees at 57 locations. American Savings Bank, FSB (HI) has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Savings Bank, FSB (HI) had $45.6 million in non-current loans and owned real-estate with $569.45 million in equity and loan loss allowances on hand to cover it. This gives American Savings Bank, FSB (HI) a Texas Ratio of 8.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for American Savings Bank, FSB (HI) decreased dramatically from 13.07% as of March 31, 2013 to 8.01% as of March 31, 2014, resulting in a positive change of 38.76%.This indicates that the balance sheet and financial strength for American Savings Bank, FSB (HI) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, American Savings Bank, FSB (HI) has increased its total deposits by $169.49 million, resulting in 3.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Savings Bank, FSB (HI) has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Savings Bank, FSB (HI) has $5.37 billion in assets with $569.45 million in equity, resulting in a capitalization level of 10.60%, which is above average.

Institution Statistics

Overall
FDIC Certificate #32526
Year Established1987
Employees1157
Primary RegulatorOCC
Assets and Liabilities
Assets$5.37 billion
Loans$4.15 billion
Deposits$4.52 billion
Equity Capital$528.53 million
Loan Loss Allowance$40.92 million
Unbacked Noncurrent Loans$45.06 million
Real Estate Owned$542,000
Historic Data - March 2013
Assets$5.12 billion
Equity Capital$504.20 million
Loan Loss Allowance$42.73 million
Unbacked Noncurrent Loans$45.06 million
Real Estate Owned$3.79 million
Profit Margin - Quarterly
Net Interest Margin3.77%
Return on Assets1.1%
Return on Equity11.08%
Interest Income$47.44 million
Rates

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American Savings Bank, FSB (HI) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$1m-ASB Tiered Savings
0.11%$100k-Biz Tiered Savings
0.02%$100-Statement Savings
0.02%$100-IRA Savings
0.02%--Holiday Savings
0.02%$100-Biz Statement Savings
0.02%$100-Roth IRA Savings

American Savings Bank, FSB (HI) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.06%$100k-Money Market
0.06%$100k-Biz Money Market

American Savings Bank, FSB (HI) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.02%$5k-Kalo Deluxe Checking

American Savings Bank, FSB (HI) CD Rates

DetailsAPYMINMAXPRODUCT
1.30%$1k-60 Month CD Special
1.30%$1k-Business 60 Month CD Special
1.20%$1k-120 Month CD
1.20%$1k-Business 120 Month CD
0.55%$1k-84 - 119 Month CD
0.55%$1k-Business 84 - 119 Month CD
0.50%$1k-60 - 83 Month CD
0.50%$1k-Business 60 - 83 Month CD
0.50%$1k-36 Month CD Special
0.50%$1k-Business 36 Month CD Special
0.25%$1k-12 Month CD Special
0.25%$1k-Business 12 Month CD Special
0.20%$1k-36 - 59 Month CD
0.20%$1k-Business 36 - 59 Month CD
0.15%$1k-24 - 35 Month CD
0.15%$1k-Business 24 - 35 Month CD
0.10%$1k-12 - 23 Month CD
0.10%$1k-Business 12 - 23 Month CD
0.05%$1k-6 - 11 Month CD
0.05%$1k-Business 6 - 11 Month CD
0.03%$1k-7 - 31 Day CD
0.03%$1k-32 - 59 Day CD
0.03%$1k-60 - 89 Day CD
0.03%$1k-3 - 5 Month CD
0.03%$1k-Business 7 - 31 Day CD
0.03%$1k-Business 32 - 59 Day CD
0.03%$1k-Business 60 - 89 Day CD
0.03%$1k-Business 3 - 5 Month CD

American Savings Bank, FSB (HI) IRA Rates

DetailsAPYMINMAXPRODUCT
0.10%$1k-18 Month IRA
Locations

American Savings Bank, FSB (HI) has 57 locations. Click to view all American Savings Bank, FSB (HI) locations.