Ohana Pacific Bank

Ohana Pacific Bank is headquartered in Honolulu and is the 9^th largest bank in the state of Hawaii. It is also the 5,161^st largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 17 employees at 1 location. Ohana Pacific Bank has a 3-star health rating.

Ohana Pacific Bank Routing Number: 121302360

Data for Q1 2012

Institution Statistics Ohana Pacific Bank FDIC Certificate # 58231 BankRate Report View Year Established 2006 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $92.04 million Loans $61.48 million Deposits $79.04 million Equity Capital $12.58 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $1.48 million Real Estate Owned $667,000 Historic Data - March 2011 Assets $92.46 million Equity Capital $10.79 million Loan Loss Allowance $1.86 million Unbacked Noncurrent Loans $1.21 million Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 1.52% Return on Equity 11.19% Interest Income $897,000

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, 2012 Ohana Pacific Bank had $2.15 million in non-current loans and owned real-estate with $13.9 million in equity and loan loss allowances on hand to cover it. This gives Ohana Pacific Bank a Texas Ratio of 15.46% 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 Ohana Pacific Bank increased slightly from 9.35% as of March 31, 2011 to 15.46% as of March 31, 2012, resulting in a negative change of 65.35%. This indicates that the balance sheet and financial strength for Ohana Pacific Bank has declined slightly in recent periods. Deposit Growth In the past year, Ohana Pacific Bank has decreased its total deposits by -$2.07 million, resulting in -2.56% 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 Ohana Pacific Bank 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. Ohana Pacific Bank has $92.04 million in assets with $13.9 million in equity, resulting in a capitalization level of 15.11%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.