Finance Factors, Ltd. in Honolulu, Hawaii (HI), Guam
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Finance Factors, Ltd. in Honolulu, Hawaii (HI), Guam
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Finance Factors, Ltd. - Overview

  • General
  • FDIC Certificate #: 25158
    Status: Active
    Federal Reserve ID: 827560
    Date Established: May 14, 1952
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: Yes)
    OTS Docket #: 9145
    FDIC's unique #: 17407
    Numeric code: 23
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: Yes
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 04, 1984
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1164 Bishop Street, 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)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $488.1 mil
    Equity capital: $52.4 mil
    Deposits held in domestic offices: $408.1 mil
    Return on assets (ROA): -0.37% (-$1.8 mil)
    Quarterly return on assets: -0.44% (-$2.1 mil)
    Return on Equity (ROE): -3.76% (-$2.0 mil)
    Quarterly return on equity: -4.17% (-$2.2 mil)
    Net income: -$2.0 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -0.87% (-$4,246.8 mil)
    Quarterly Pretax return on assets: -0.75% (-$3,661.0 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
  • 116Total employees (full-time equivalent)
  • $488,135Total assets
  • $31,318Cash and due from depository institutions
  • $23,839Interest-bearing balances
  • $105,760Securities
  • $15Federal funds sold & reverse repurchase agreements
  • $265,041Net loans & leases
  • $12,311Loan loss allowance
  • $0Trading account assets
  • $35,256Bank premises and fixed assets
  • $12,333Other real estate owned
  • $265Goodwill and other intangibles
  • $488,135Life insurance assets
  • $38,147All other assets
  • $435,741Total liabilities and capital
  • $408,093Total liabilities
  • $407,581Total deposits
  • $408,093Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,000Trading liabilities
  • $0Other borrowed funds
  • $2,648Subordinated debt
  • $52,394All other liabilities
  • $52,394Total equity capital
  • $52,394Total bank equity capital
  • $0Perpetual preferred stock
  • $891Common stock
  • $8,502Surplus
  • $43,001Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $510Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24,748Income earned, not collected on loans
  • $0Earning assets
  • $1,723Long-term assets (5+ years)
  • $394,655Average Assets, year-to-date
  • $58,928Average Assets, quarterly
  • $531,550Volatile liabilities
  • $501,111Insider loans
  • $319,036FHLB advances
  • $489,966Loans and leases held for sale
  • $13,048Unused loan commitments
  • $12,708Tier 1 (core) risk-based capital
  • $38,892Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $340Total unused commitments
  • $23,424Restructured Loans and leases
  • $0Derivatives
  • $10,304Total assets and liabilities in foreign offices

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,165Total interest income
  • $6,785Total interest expense
  • $13,380Net interest income
  • $3,336Provision for loan and lease losses
  • $622Total noninterest income
  • $0Fiduciary activities
  • $2Service charges on deposit accounts
  • $0Trading account gains & fees
  • $620Additional noninterest income
  • $15,327Total noninterest expense
  • $8,325Salaries and employee benefits
  • $1,563Premises and equipment expense
  • $5,439Additional noninterest expense
  • -$4,661Pre-tax net operating income
  • $25Securities gains (losses)
  • -$2,650Applicable income taxes
  • -$1,986Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,986Net income attributable to bank
  • $0Net charge-offs
  • -$1,986Cash dividends
  • $2,698Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 3.10%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • -0.38%Net operating income to assets
  • -0.37%Return on assets (ROA)
  • -0.87%Pretax return on assets
  • -3.76%Return on equity (ROE)
  • -3.76%Retained earnings to average equity (YTD only)
  • 0.92%Net charge-offs to loans
  • 123.65%Credit loss provision to net charge-offs
  • -0.49%Efficiency ratio
  • 109,463Assets per employee
  • 4.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.44%Loss allowance to noncurrent loans
  • 49.75%Noncurrent assets plus other real estate owned to assets
  • 7.60%Noncurrent loans to loans
  • 8.92%Net loans and leases to deposits
  • 64.95%Net loans and leases to core deposits
  • 68.92%Equity capital to assets
  • 10.73%Core capital (leverage) ratio
  • 7.94%Tier 1 risk-based capital ratio
  • 12.19%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $531,550Average earning assets
  • $52,761Average equity
  • $432,104Average loans

List of branches

  • 1 Guam Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    27257897South Marine Drive Branch800 South Marine Drive, Suite 4, Tamuning, Guam 96911January 11, 1996Limited Service Loan Production
  • 14 Hawaii Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017407Finance Factors, Ltd.1164 Bishop Street, Honolulu, HI 96813May 14, 1952Full Service Brick and Mortar
    6291800Kapahulu Branch2927 Kapiolani Boulevard, Honolulu, HI 96826Febuary 19, 1958Full Service Brick and Mortar
    8291802Kailua Branch602 Kailua Road, Kailua, HI 96734November 07, 1958Full Service Brick and Mortar
    9291803Kalihi Branch1620 North School Street, Honolulu, HI 96817April 22, 1959Full Service Brick and Mortar
    12291806Lihue Branch4393 Kukui Grove Street, Suite A, Lihue, HI 96766September 18, 1961Full Service Brick and Mortar
    15291809Pearl City Branch850 Kamehameha Highway, Pearl City, HI 96782June 19, 1967Full Service Brick and Mortar
    16291810Hilo Branch427 Kilauea Avenue, Hilo, HI 96720June 03, 1968Full Service Brick and Mortar
    21291815Kahului Branch140 Hoohana Street, Suite 111, Kahului, HI 96732September 11, 1975Full Service Brick and Mortar
    23257894Kapiolani Branch1600 Kapiolani Boulevard, Suite 109, Honolulu, HI 96814November 12, 1991Full Service Brick and Mortar
    33362800Kahala Branch4211 Waialea Avenue, Honolulu, HI 96816January 02, 2002Full Service Brick and Mortar
    34445692Keauhou-Kona Branch78-6831 Alii Drive, Suite H-1, Kailua Kona, HI 96740October 31, 2005Full Service Brick and Mortar
    35492559Liliha Branch1808 Liliha Street, Honolulu, HI 96817October 01, 2008Full Service Brick and Mortar
    36492560Chinatown Branch102a North King Street, Honolulu, HI 96817January 01, 2009Full Service Brick and Mortar
    37492561Manoa Branch2955 East Manoa Road, Suite A, Honolulu, HI 96822Febuary 01, 2009Full Service Brick and Mortar

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