Finance Factors, Ltd.

1164 Bishop Street
Honolulu, HI 96813
1-800-648-7136
www.financefactors.com

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Finance Factors, Ltd. is headquartered in Honolulu and is the 7^th largest bank in the state of Hawaii. It is also the 1,395^th largest bank in the nation. It was established in 1952 and as of March of 2013, it had grown to 118 employees at 13 locations. Finance Factors, Ltd. has a 3-star health rating.

Finance Factors, Ltd. Routing Number: 321381233

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See Rates for: Savings | Money Market | CD | IRA

Finance Factors, Ltd. Savings Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Akamai Savings

Finance Factors, Ltd. Money Market Rates

	Apy	Min	Max	Product
	0.35%	$200k	-	Money Market Savings

Finance Factors, Ltd. CD Rates

Apy	Min	Max	Product
0.50%	$2,500	$95k	24 Month CD
0.30%	$2,500	$95k	12 Month CD
0.25%	$2,500	$95k	6 Month CD
0.25%	$2,500	$95k	9 Month CD
0.20%	$2,500	$95k	3 Month CD

Finance Factors, Ltd. IRA Rates

Apy	Min	Max	Product
0.50%	$2,500	-	24 Month IRA
0.50%	$2,500	-	24 Month Roth IRA
0.50%	$1k	-	24 Month CESA
0.30%	$2,500	-	12 Month IRA
0.30%	$2,500	-	12 Month Roth IRA
0.30%	$1k	-	12 Month CESA
0.25%	$2,500	-	6 Month IRA
0.25%	$2,500	-	6 Month Roth IRA
0.25%	$1k	-	6 Month CESA
0.25%	$1k	-	9 Month CESA
0.25%	$2,500	-	9 Month IRA
0.25%	$2,500	-	9 Month Roth IRA
0.20%	$1k	-	3 Month CESA
0.20%	$2,500	-	3 Month IRA
0.20%	$2,500	-	3 Month Roth IRA

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

Finance Factors, Ltd.
FDIC Certificate #	25158
BankRate Report	View
Year Established	1952
Employees	118
Primary Regulator	FDIC
Assets and Liabilities
Assets	$477.68 million
Loans	$269.24 million
Deposits	$391.71 million
Equity Capital	$58.10 million
Loan Loss Allowance	$8.78 million
Unbacked Noncurrent Loans	$14.12 million
Real Estate Owned	$12.50 million
Historic Data - March 2012
Assets	$483.70 million
Equity Capital	$55.76 million
Loan Loss Allowance	$11.94 million
Unbacked Noncurrent Loans	$25.57 million
Real Estate Owned	$12.00 million
Profit Margin - Quarterly
Net Interest Margin	4%
Return on Assets	0.68%
Return on Equity	5.63%
Interest Income	$4.53 million

Institution Health

Overall Score:

3 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 Finance Factors, Ltd. had $26.62 million in non-current loans and owned real-estate with $66.87 million in equity and loan loss allowances on hand to cover it. This gives Finance Factors, Ltd. a Texas Ratio of 39.81% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Finance Factors, Ltd. decreased slightly from 55.49% as of March 31, 2012 to 39.81% as of March 31, 2013, resulting in a positive change of 28.25%.This indicates that the balance sheet and financial strength for Finance Factors, Ltd. has improved slightly in recent periods.
Deposit Growth
In the past year, Finance Factors, Ltd. has decreased its total deposits by -$8.8 million, resulting in -2.2% 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 Finance Factors, Ltd. has shown is below 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. Finance Factors, Ltd. has $477.68 million in assets with $66.87 million in equity, resulting in a capitalization level of 14.00%, which is excellent.

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