American Savings Bank, FSB (HI)

American Savings Bank, FSB (HI) is headquartered in Honolulu and is the 3^rd largest bank in the state of Hawaii. It is also the 172^nd largest bank in the nation. It was established in 1987 and as of December of 2011, it had grown to 1,096 employees at 57 locations. American Savings Bank, FSB (HI) has a 4-star health rating.

Data for Q4 2011

Institution Statistics American Savings Bank, FSB OTS # 08384 FDIC Certificate # 32526 BankRate Report View Year Established 1987 Employees 1096 Primary Regulator OCC Assets and Liabilities Assets $4.91 billion Loans $3.65 billion Deposits $4.11 billion Equity Capital $488.64 million Loan Loss Allowance $37.91 million Unbacked Noncurrent Loans $65.83 million Real Estate Owned $7.26 million Historic Data - December 2010 Assets $4.80 billion Equity Capital $493.39 million Loan Loss Allowance $37.15 million Unbacked Noncurrent Loans $56.40 million Real Estate Owned $4.29 million Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 1.23% Return on Equity 12.11% Interest Income $202.10 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Savings Bank, FSB (HI) had $73.09 million in non-current loans and owned real-estate with $526.54 million in equity and loan loss allowances on hand to cover it. This gives American Savings Bank, FSB (HI) a Texas Ratio of 13.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Savings Bank, FSB (HI) held steady from 11.59% as of December 31, 2010 to 13.88% as of December 31, 2011, resulting in a negative change of 19.76%. This indicates that the balance sheet and financial strength for American Savings Bank, FSB (HI) has held steady in recent periods. Deposit Growth In the past year, American Savings Bank, FSB (HI) has increased its total deposits by $96.19 million, resulting in 2.4% 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 above average. Capitalization 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 $4.91 billion in assets with $526.54 million in equity, resulting in a capitalization level of 10.72%, which is above average.

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