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Overview / Commentary
808-237-6551
1357 Kapiolani Boulevard, Suite 102
Honolulu, HI 96814

Ohana Pacific Bank is headquartered in Honolulu and is the 9th largest bank in the state of Hawaii. It is also the 4,588th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 21 employees at 1 location. Ohana Pacific Bank has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 March 31, 2014 Ohana Pacific Bank had $620,000 in non-current loans and owned real-estate with $15.4 million in equity and loan loss allowances on hand to cover it. This gives Ohana Pacific Bank a Texas Ratio of 4.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Ohana Pacific Bank decreased dramatically from 6.59% as of March 31, 2013 to 4.03% as of March 31, 2014, resulting in a positive change of 38.87%.This indicates that the balance sheet and financial strength for Ohana Pacific Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Ohana Pacific Bank has increased its total deposits by $5.92 million, resulting in 6.95% 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 excellent.

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. Ohana Pacific Bank has $105.66 million in assets with $15.4 million in equity, resulting in a capitalization level of 14.58%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58231
Year Established2006
Employees21
Primary RegulatorFDIC
Assets and Liabilities
Assets$105.66 million
Loans$74.20 million
Deposits$91.14 million
Equity Capital$14.19 million
Loan Loss Allowance$1.21 million
Unbacked Noncurrent Loans$5,000
Real Estate Owned$615,000
Historic Data - March 2013
Assets$98.94 million
Equity Capital$13.35 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$5,000
Real Estate Owned$667,000
Profit Margin - Quarterly
Net Interest Margin3.33%
Return on Assets0.92%
Return on Equity6.86%
Interest Income$927,000
Rates

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Locations


Ohana Pacific Bank Locations
Ohana Pacific Bank1357 Kapiolani Boulevard, Suite 102Honolulu, HI 96814