ANZ Guam inc

ANZ Guam inc is headquartered in Hagatna and is the 2^nd largest bank in the state of GU. It is also the 2,258^th largest bank in the nation. It was established in 1991 and as of December of 2011, it had grown to 143 employees. ANZ Guam inc has a 5-star health rating.

ANZ Guam inc Routing Number: 121405212

Data for Q4 2011

Institution Statistics ANZ Guam, Inc. FDIC Certificate # 33316 BankRate Report View Year Established 1991 Employees 143 Primary Regulator FDIC Assets and Liabilities Assets $286.33 million Loans $184.98 million Deposits $245.93 million Equity Capital $36.07 million Loan Loss Allowance $2.41 million Unbacked Noncurrent Loans $2.14 million Historic Data - December 2010 Assets $167.67 million Equity Capital $18.47 million Loan Loss Allowance $921,000 Unbacked Noncurrent Loans $401,000 Profit Margin - Quarterly Net Interest Margin 4.9% Return on Assets 0.06% Return on Equity 0.5% Interest Income $14.25 million

Institution Health Overall Score: 5 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 ANZ Guam inc had $2.14 million in non-current loans and owned real-estate with $38.48 million in equity and loan loss allowances on hand to cover it. This gives ANZ Guam inc a Texas Ratio of 5.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for ANZ Guam inc held steady from 3.28% as of December 31, 2010 to 5.57% as of December 31, 2011, resulting in a negative change of 69.84%. This indicates that the balance sheet and financial strength for ANZ Guam inc has held steady in recent periods. Deposit Growth In the past year, ANZ Guam inc has increased its total deposits by $98.79 million, resulting in 67.14% 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 ANZ Guam inc has shown is excellent. 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. ANZ Guam inc has $286.33 million in assets with $38.48 million in equity, resulting in a capitalization level of 13.44%, which is excellent.

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