Bank of Guam

Bank of Guam is headquartered in Hagatna and is the largest bank in the state of GU. It is also the 571^st largest bank in the nation. It was established in 1972 and as of December of 2011, it had grown to 498 employees at 4 locations. Bank of Guam has a 4-star health rating.

Data for Q4 2011

Institution Statistics Bank of Guam FDIC Certificate # 20884 BankRate Report View Year Established 1972 Employees 498 Primary Regulator FDIC Assets and Liabilities Assets $1.14 billion Loans $728.41 million Deposits $1.04 billion Equity Capital $88.32 million Loan Loss Allowance $10.89 million Unbacked Noncurrent Loans $18.56 million Real Estate Owned $4.29 million Historic Data - December 2010 Assets $992.06 million Equity Capital $83.57 million Loan Loss Allowance $9.16 million Unbacked Noncurrent Loans $28.25 million Real Estate Owned $4.49 million Profit Margin - Quarterly Net Interest Margin 4.8% Return on Assets 0.6% Return on Equity 7.35% Interest Income $50.77 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 Bank of Guam had $22.85 million in non-current loans and owned real-estate with $99.21 million in equity and loan loss allowances on hand to cover it. This gives Bank of Guam a Texas Ratio of 23.03% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Guam decreased slightly from 35.30% as of December 31, 2010 to 23.03% as of December 31, 2011, resulting in a positive change of 34.76%.This indicates that the balance sheet and financial strength for Bank of Guam has improved slightly in recent periods. Deposit Growth In the past year, Bank of Guam has increased its total deposits by $149.15 million, resulting in 16.77% 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 Bank of Guam 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. Bank of Guam has $1.14 billion in assets with $99.21 million in equity, resulting in a capitalization level of 8.71%, which is average.

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