BankPacific, Ltd

BankPacific, Ltd is headquartered in Hagatna and is the 3^rd largest bank in the state of GU. It is also the 4,429^th largest bank in the nation. It was established in 1953 and as of March of 2013, it had grown to 86 employees. BankPacific, Ltd has a 5-star health rating.

Data for Q1 2013

Institution Statistics BankPacific, Ltd OTS # 05756 FDIC Certificate # 30692 BankRate Report View Year Established 1953 Employees 86 Primary Regulator FDIC Assets and Liabilities Assets $118.22 million Loans $97.49 million Deposits $102.58 million Equity Capital $14.70 million Loan Loss Allowance $633,000 Unbacked Noncurrent Loans $1.21 million Real Estate Owned $171,000 Historic Data - March 2012 Assets $113.50 million Equity Capital $13.93 million Loan Loss Allowance $563,000 Unbacked Noncurrent Loans $771,000 Profit Margin - Quarterly Net Interest Margin 5.45% Return on Assets 0.74% Return on Equity 6.03% Interest Income $1.57 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 March 31, 2013 BankPacific, Ltd had $1.38 million in non-current loans and owned real-estate with $15.33 million in equity and loan loss allowances on hand to cover it. This gives BankPacific, Ltd a Texas Ratio of 8.99% 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 BankPacific, Ltd held steady from 5.32% as of March 31, 2012 to 8.99% as of March 31, 2013, resulting in a negative change of 69.01%. This indicates that the balance sheet and financial strength for BankPacific, Ltd has held steady in recent periods. Deposit Growth In the past year, BankPacific, Ltd has increased its total deposits by $6.46 million, resulting in 6.73% 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 BankPacific, Ltd 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. BankPacific, Ltd has $118.22 million in assets with $15.33 million in equity, resulting in a capitalization level of 12.97%, which is excellent.

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