American Savings Bank, FSB in Honolulu, Hawaii (HI)



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American Savings Bank, FSB
GeneralFDIC Certificate #: 32526
Status: Active
Federal Reserve ID: 54973
Date Established: January 23, 1987
WWW: http://www.asbhawaii.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 57 (Domestic: 57, Interstate: No)
OTS Docket #: 8384
FDIC's unique #: 45360
Numeric code: 33
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 23, 1987
Last Structure Change Effective Date: January 09, 2012
Last Structure Change Process Date: January 09, 2012
Last Data Update: January 09, 2012
Data Source Date: April 05, 2012
LocationAddress: 1001 Bishop Street, Suite 100, Honolulu, HI 96813
County: Honolulu
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: San Francisco
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Honolulu, HI (#3320)
Core Based Statistical Area (CBSA): Honolulu, HI (#26180)
CBSA Metro Statistical Area: Honolulu, HI (#26180)
Financial SummaryTotal assets: $4,910.1 mil
Equity capital: $488.6 mil
Deposits held in domestic offices: $4,107.0 mil
Return on assets (ROA): 1.23% ($60.4 mil)
Quarterly return on assets: 1.25% ($61.4 mil)
Return on Equity (ROE): 12.11% ($59.2 mil)
Quarterly return on equity: 12.40% ($60.6 mil)
Net income: $59.8 mil
Quarterly Net income: $15.3 mil
Pretax return on assets: 1.88% ($92,309.2 mil)
Quarterly Pretax return on assets: 1.87% ($91,818.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)1,096
Total assets$4,910,064
Cash and due from depository institutions$219,678
Interest-bearing balances$90,641
Securities$624,331
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$3,651,672
Loan loss allowance $37,906
Trading account assets$0
Bank premises and fixed assets$53,757
Other real estate owned$7,260
Goodwill and other intangibles$90,417
All other assets$262,949
Life insurance assets$4,910,064
Total liabilities and capital$4,421,429
Total liabilities$4,107,019
Total deposits$3,097,278
Interest-bearing deposits$4,107,019
Deposits held in domestic offices$95
% insured (estimated)182933.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$50,000
Other borrowed funds $0
Subordinated debt $81,477
All other liabilities $488,635
Total equity capital$488,635
Total bank equity capital$488,635
Perpetual preferred stock$0
Common stock$1
Surplus$331,879
Undivided profits $156,755
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $67,109
Earning assets $1,283
Long-term assets (5+ years) $14,190
Average Assets, year-to-date $4,366,644
Average Assets, quarterly $0
Volatile liabilities $4,871,453
Insider loans $4,905,445
FHLB advances $3,676,967
Loans and leases held for sale $4,832,666
Unused loan commitments $121,470
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $437,021
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,347,919
Derivatives$62,055
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $202,102
Total interest expense $14,469
Net interest income $187,633
Provision for loan and lease losses $15,009
Total noninterest income $61,778
Fiduciary activities $0
Service charges on deposit accounts $15,621
Trading account gains & fees $0
Additional noninterest income $46,157
Total noninterest expense $142,961
Salaries and employee benefits $75,334
Premises and equipment expense $30,929
Additional noninterest expense $36,698
Pre-tax net operating income $91,441
Securities gains (losses) $371
Applicable income taxes $31,969
Income before extraordinary items $59,843
Extraordinary gains - net $0
Net income attributable to bank $59,843
Net charge-offs $0
Cash dividends $59,843
Sale, conversion, retirement of capital stock, net $14,256
Net operating income $62,828
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.65%
Cost of funding earning assets 0.33%
Net interest margin 4.31%
Noninterest income to earning assets 1.42%
Noninterest expense to earning assets 3.29%
Net operating income to assets 1.22%
Return on assets (ROA) 1.23%
Pretax return on assets 1.88%
Return on equity (ROE) 12.11%
Retained earnings to average equity (YTD only) -0.60%
Net charge-offs to loans 0.39%
Credit loss provision to net charge-offs 105.28%
Efficiency ratio7.47%
Assets per employee$57,319
Cash dividends to net income (YTD only)4.48%
Condition Ratios (%)
Loss allowance to loans 104.99%
Loss allowance to noncurrent loans 1.03%
Noncurrent assets plus other real estate owned to assets 56.48%
Noncurrent loans to loans 1.51%
Net loans and leases to deposits1.82%
Net loans and leases to core deposits 88.91%
Equity capital to assets 89.53%
Core capital (leverage) ratio 9.95%
Tier 1 risk-based capital ratio 9.04%
Total risk-based capital ratio 11.89%
Memoranda
Average assets$13
Average earning assets$4,871,453
Average equity $494,277
Average loans $4,349,299
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57 Hawaii Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
045360American Savings Bank, Fsb1001 Bishop Street, Suite 100, Honolulu, HI 96813January 23, 1987Full Service Brick and Mortar
101288235100 Pauahi Street Branch100 Pauahi St, Hilo, HI 96720January 23, 1987Full Service Brick and Mortar
1032882371851 North King Street Branch1851 North Kijnhg St, Honolulu, HI 96817January 23, 1987Full Service Brick and Mortar
1042882381600 Kapiolani Boulevard Branch1600 Kapiolani Blvd, Honolulu, HI 96814January 23, 1987Full Service Brick and Mortar
106288240Kaneohe Bay Drive Branch45-480 Kaneohe Bay Dr, Kaneohe, HI 96744January 23, 1987Full Service Brick and Mortar
1092882434318 Rice Street Branch4318 Rice St, Lihue, HI 96766January 23, 1987Full Service Brick and Mortar
1112882454548 Kona Road Branch4548 Kona Rd, Hanapepe, HI 96716January 23, 1987Full Service Brick and Mortar
113288247Mamalahoa Highway Branch81-6644 Mamalahoa Hwy, Kealakekua, HI 96750January 23, 1987Full Service Brick and Mortar
11428824875-5595 C-3 Branch75-5595 C-3 Palani St, Kailua Kona, HI 96740January 23, 1987Full Service Brick and Mortar
11628825073 Puunene Avenue Branch73 Puunene Ave, Kahului, HI 96732January 23, 1987Full Service Brick and Mortar
11728825169 Market Street Branch69 Market St, Wailuku, HI 96793January 23, 1987Full Service Brick and Mortar
118288252154 Papalaua Street #101 Branch154 Papalaua Street#101, Lahaina, HI 96761January 23, 1987Full Service Brick and Mortar
119288253Ala Malama Street Branch40 Ala Malama St, Kaunakakai, HI 96748January 23, 1987Full Service Brick and Mortar
1202882541215 South Kihei Road Branch1215 South Kihei Rd, Kihei, HI 96753January 23, 1987Full Service Brick and Mortar
122288256850 Kamehameha Highway Branch850 Kamehameha Hwy, Pearl City, HI 96782January 23, 1987Full Service Brick and Mortar
128288262Fort Weaver Road Branch91-1401 Fort Weaver Road #c101, Ewa Beach, HI 96706January 23, 1987Full Service Brick and Mortar
13128826594-060 Farrington Highway Branch94-060 Farrington Hwy, Waipahu, HI 96797January 23, 1987Full Service Brick and Mortar
1322882661296 South Beretania Street Branch1296 South Beretania St, Honolulu, HI 96814January 23, 1987Full Service Brick and Mortar
1372763892855 East Manoa Road Branch2855 East Manoa Rd, Honolulu, HI 96822June 30, 1985Full Service Brick and Mortar
142288271Haleiwa Branch66-197 Kamehameha Highway, Haleiwa, HI 96712March 01, 1991Full Service Brick and Mortar
143288272Hilo Branch111 East Puainako St, Hilo, HI 96720March 01, 1991Full Service Brick and Mortar
144288273Mililani Branch95-1249 Meheula Parkway B-9, Mililani, HI 96789March 01, 1991Full Service Brick and Mortar
145288274Kamuela Branch65-1158 Mamalahoa Hwy, Kamuela, HI 96743March 01, 1990Full Service Brick and Mortar
147288276Kapoleo Branch890 Kamokila Boulevard, Kapolei, HI 96707June 30, 1996Full Service Brick and Mortar
148277275Mccully Branch1806 South King Street, Honolulu, HI 96826January 01, 1929Full Service Brick and Mortar
149277276Kahala Branch4211 Waialae Avenue, Honolulu, HI 96816January 01, 1929Full Service Brick and Mortar
151277279Kaneohe Branch45-1144 Kamehameha Highway, Kaneohe, HI 96744January 01, 1929Full Service Brick and Mortar
153277281Kapahulu Branch737 Kapahulu Avenue, Honolulu, HI 96816January 01, 1929Full Service Brick and Mortar
154277283Mililani Branch95-221 Kipapa Drive, Mililani, HI 96789January 01, 1929Full Service Brick and Mortar
155277285Kamehameha Center Branch1620 North School Street, Honolulu, HI 96817January 01, 1929Full Service Brick and Mortar
156277287Liliha Branch1425 Liliha Street, Honolulu, HI 96817January 01, 1929Full Service Brick and Mortar
157277288Pearlridge Branch98-200 Kamehameha Highway, Aiea, HI 96701January 01, 1929Full Service Brick and Mortar
159277291Laie Branch55-510 Kamehameha Highway, Laie, HI 96762January 01, 1929Full Service Retail
160277293Wahiawa Branch649 California Avenue, Wahiawa, HI 96786January 01, 1929Full Service Brick and Mortar
161277295Kaimuki Branch3221 Waialae Avenue, Honolulu, HI 96816January 01, 1929Full Service Brick and Mortar
165277301Salt Lake Branch848 Ala Lilikoi Street, Honolulu, HI 96818January 01, 1929Full Service Brick and Mortar
16711114Chinatown Branch99 North King Street, Honolulu, HI 96817Febuary 11, 1922Full Service Brick and Mortar
168240252Queen-Ward Branch929 Queen Street, Honolulu, HI 96814August 10, 1962Full Service Brick and Mortar
169240254Ala Moana Branch1450 Ala Moana Boulevard, Honolulu, HI 96814January 09, 1967Full Service Brick and Mortar
171220380Hawaii Kai Branch7192 Kalanianaole Highway, Honolulu, HI 96825August 01, 1992Full Service Brick and Mortar
173220381Kailua Branch200-C Hamakua Drive, Kailua, HI 96734August 01, 1992Full Service Brick and Mortar
174220382Kapiolani Kona Iki Branch700 Keeaumoku St, Honolulu, HI 96814August 01, 1992Full Service Retail
175220383Waianae Branch86-120 Farrington Highway, Waianae, HI 96792August 01, 1992Full Service Brick and Mortar
177220385Waipouli Branch4-771 Kuhio Hwy, Kapaa, HI 96746July 01, 1994Full Service Retail
178220386Lanihau Branch75-5595 Palani Road, Kailua Kona, HI 96740August 01, 1994Full Service Retail
179220387Uh Manoa Branch2445 Campus Rd Hemenway Hall, Honolulu, HI 96822August 01, 1994Full Service Brick and Mortar
180220388Wailuku Branch790 Eha St, Wailuku, HI 96793September 01, 1994Full Service Retail
181220389Waipio Gentry Branch94-1040 Waipio Uka St, Waipahu, HI 96797October 01, 1994Full Service Retail
182289280Nanakuli Branch87-2070 Farrington Hwy, Waianae, HI 96792November 06, 1993Full Service Retail
183289281Market City Branch2939 Harding Ave, Honolulu, HI 96818December 04, 1993Full Service Retail
184289282Stadium Marketplace Branch4561 Salt Lake Blvd, Honolulu, HI 96818April 16, 1994Full Service Retail
185289283Pukalani Branch55 Pukalani Street #5504, Makawao, HI 96768June 20, 1994Full Service Brick and Mortar
186220394Pearl City1089 Waimano Home Rd, Pearl City, HI 96782October 19, 1996Full Service Retail
187288277Lihue Branch3-2600 Kaumualii Hwy, Lihue, HI 96766July 08, 1996Full Service Brick and Mortar
191445668Pakaula Street Branch101 Pakaula St, Kahului, HI 96732October 31, 2001Full Service Retail
192520913Kuala Street Branch1131 Kuala St, Pearl City, HI 96782January 31, 2006Full Service Retail
193520915Kuhio Avenue Branch2255 Kuhio Ave, Honolulu, HI 96815April 26, 2010Full Service Brick and Mortar
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