Territorial Savings Bank

1000 Bishop Street
Honolulu, HI 96813
808-946-1400
www.territorialsavings.net

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Territorial Savings Bank has been providing friendly (Island Style) personal service to individuals and businesses in Hawaii since 1921. They're an equal opportunity employer with 250 full-time employees, 24 convenient offices and approximately $1.2 billion in total assets. They offer a full line of banking products.

Territorial Savings Bank Routing Number: 321370707

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

Territorial Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.05%	$1k	-	Money Market Checking
0.02%	-	-	Hawaii's Best Checking
0.02%	-	-	Teen/Student Checking

Territorial Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Passbook Savings
0.25%	-	-	Statement Savings

Territorial Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.20%	$1k	-	Money Market Deposit Account

Territorial Savings Bank CD Rates

Apy	Min	Max	Product
1.00%	$1k	-	60 Month Standard CD
0.75%	$1k	-	48 Month Standard CD
0.50%	$1k	-	36 Month Standard CD
0.40%	$1k	-	24 Month Standard CD
0.25%	$1k	-	12 Month Standard CD
0.20%	$1k	-	9 - 11 Month Standard CD
0.15%	$1k	-	6 - 8 Month Standard CD
0.10%	$1k	-	3 - 5 Month Standard CD

Territorial Savings Bank IRA Rates

Apy	Min	Max	Product
1.00%	$1k	-	60 Month Standard IRA
1.00%	$1k	-	60 Month Standard Roth IRA
0.75%	$1k	-	48 Month Standard IRA
0.75%	$1k	-	48 Month Standard Roth IRA
0.50%	$1k	-	36 Month Standard IRA
0.50%	$1k	-	36 Month Standard Roth IRA
0.40%	$1k	-	24 Month Standard IRA
0.40%	$1k	-	24 Month Standard Roth IRA
0.25%	$1k	-	12 Month Standard IRA
0.25%	$1k	-	12 Month Standard Roth IRA
0.20%	$1k	-	9 - 11 Month Standard IRA
0.20%	$1k	-	9 - 11 Month Standard Roth IRA
0.15%	$1k	-	6 - 8 Month Standard IRA
0.15%	$1k	-	6 - 8 Month Standard Roth IRA
0.10%	$1k	-	3 - 5 Month Standard IRA
0.10%	$1k	-	3 - 5 Month Standard Roth IRA

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

Territorial Savings Bank
OTS #	05991
FDIC Certificate #	30836
BankRate Report	View
Year Established	1921
Employees	264
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.57 billion
Loans	$796.49 million
Deposits	$1.26 billion
Equity Capital	$207.71 million
Loan Loss Allowance	$1.67 million
Unbacked Noncurrent Loans	$4.74 million
Historic Data - March 2012
Assets	$1.57 billion
Equity Capital	$202.01 million
Loan Loss Allowance	$1.53 million
Unbacked Noncurrent Loans	$1.93 million
Real Estate Owned	$408,000
Profit Margin - Quarterly
Net Interest Margin	3.26%
Return on Assets	0.96%
Return on Equity	7.33%
Interest Income	$13.90 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 Territorial Savings Bank had $4.74 million in non-current loans and owned real-estate with $209.38 million in equity and loan loss allowances on hand to cover it. This gives Territorial Savings Bank a Texas Ratio of 2.26% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Territorial Savings Bank held steady from 1.15% as of March 31, 2012 to 2.26% as of March 31, 2013, resulting in a negative change of 96.29%. This indicates that the balance sheet and financial strength for Territorial Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Territorial Savings Bank has increased its total deposits by $28.2 million, resulting in 2.3% 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 Territorial Savings Bank has shown is above 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. Territorial Savings Bank has $1.57 billion in assets with $209.38 million in equity, resulting in a capitalization level of 13.38%, which is excellent.

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