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Overview / Commentary
800-648-7136
1164 Bishop Street
Honolulu, HI 96813

Finance Factors, Ltd. is headquartered in Honolulu and is the 7th largest bank in the state of Hawaii. It is also the 1,393rd largest bank in the nation. It was established in 1952 and as of June of 2014, it had grown to 121 employees at 13 locations. Finance Factors, Ltd.'s savings rates are 25% higher than the national average, and it has a B+ health rating.

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Health

Data for Q2 2014

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Finance Factors, Ltd. had $11.05 million in non-current loans and owned real-estate with $71.06 million in equity and loan loss allowances on hand to cover it. This gives Finance Factors, Ltd. a Texas Ratio of 15.55% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Finance Factors, Ltd. decreased dramatically from 23.96% as of June 30, 2013 to 15.55% as of June 30, 2014, resulting in a positive change of 35.11%.This indicates that the balance sheet and financial strength for Finance Factors, Ltd. has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Finance Factors, Ltd. has decreased its total deposits by -$1.09 million, resulting in -0.27% 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 average.

Capitalization

GRADE:
A+

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 $484.37 million in assets with $71.06 million in equity, resulting in a capitalization level of 14.67%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #25158
Year Established1952
Employees121
Primary RegulatorFDIC
Assets and Liabilities
Assets$484.37 million
Loans$285.60 million
Deposits$394.32 million
Equity Capital$62.17 million
Loan Loss Allowance$8.89 million
Unbacked Noncurrent Loans$3.68 million
Real Estate Owned$7.36 million
Historic Data - June 2013
Assets$482.23 million
Equity Capital$58.68 million
Loan Loss Allowance$8.31 million
Unbacked Noncurrent Loans$3.68 million
Real Estate Owned$10.37 million
Profit Margin - Quarterly
Return on Assets0.72%
Return on Equity5.68%
Interest Income$9.80 million
Rates
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Finance Factors, Ltd. Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.65%--The Savers Club
0.30%$50k-Jumbo Savings
0.30%$50k-Ali'i Savings
0.25%--Akamai Savings
0.20%$50k-Business Ali'i Savings
0.15%$100-Incentive Savings
0.15%--Step-Up Savings

Finance Factors, Ltd. Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%--Money Market Savings

Finance Factors, Ltd. CD Rates

DetailsAPYMINMAXPRODUCT
0.50%$2,500$95k24 Month CD
0.50%$5k-Business 24 Month CD
0.30%$2,500$95k12 Month CD
0.30%$5k-Business 12 Month CD
0.25%$2,500$95k6 Month CD
0.25%$2,500$95k9 Month CD
0.25%$5k-Business 6 Month CD
0.25%$5k-Business 9 Month CD
0.20%$2,500$95k3 Month CD
0.20%$5k-Business 3 Month CD

Finance Factors, Ltd. IRA Rates

DetailsAPYMINMAXPRODUCT
0.50%$2,500-24 Month IRA
0.30%$2,500-12 Month IRA
0.25%$2,500-6 Month IRA
0.25%$2,500-9 Month IRA
0.20%$2,500-3 Month IRA
Locations

Finance Factors, Ltd. has 13 locations. Click to view all Finance Factors, Ltd. locations.