Territorial Savings Bank in Honolulu, Hawaii (HI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Territorial Savings Bank in Honolulu, Hawaii (HI)
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Territorial Savings Bank - Overview

  • General
  • FDIC Certificate #: 30836
    Status: Active
    Federal Reserve ID: 564977
    Date Established: January 01, 1921
    WWW: http://www.territorialsavings.net
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 27 (Domestic: 27, Interstate: No)
    OTS Docket #: 5991
    FDIC's unique #: 43670
    Numeric code: 34
    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: July 02, 1956
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,537.6 mil
    Equity capital: $197.6 mil
    Deposits held in domestic offices: $1,189.2 mil
    Return on assets (ROA): 0.89% ($13.7 mil)
    Quarterly return on assets: 0.97% ($14.9 mil)
    Return on Equity (ROE): 6.65% ($13.2 mil)
    Quarterly return on equity: 7.49% ($14.8 mil)
    Net income: $13.4 mil
    Quarterly Net income: $3.7 mil
    Pretax return on assets: 1.48% ($22,757.1 mil)
    Quarterly Pretax return on assets: 1.61% ($24,756.0 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
  • 262Total employees (full-time equivalent)
  • $1,537,639Total assets
  • $131,992Cash and due from depository institutions
  • $123,244Interest-bearing balances
  • $653,871Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $691,255Net loans & leases
  • $1,541Loan loss allowance
  • $0Trading account assets
  • $5,225Bank premises and fixed assets
  • $408Other real estate owned
  • $1,195Goodwill and other intangibles
  • $1,537,639Life insurance assets
  • $53,693All other assets
  • $1,340,033Total liabilities and capital
  • $1,189,245Total liabilities
  • $1,151,857Total deposits
  • $1,189,245Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 108300.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $22,488Subordinated debt
  • $197,606All other liabilities
  • $197,606Total equity capital
  • $197,606Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $90,120Surplus
  • $107,485Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,583Income earned, not collected on loans
  • $0Earning assets
  • $4,763Long-term assets (5+ years)
  • $1,468,370Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,497,762Volatile liabilities
  • $1,530,852Insider loans
  • $522,716FHLB advances
  • $1,538,219Loans and leases held for sale
  • $30,234Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $201,151Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $48,713Restructured Loans and leases
  • $1,621Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $62,784Total interest income
  • $11,365Total interest expense
  • $51,419Net interest income
  • $396Provision for loan and lease losses
  • $5,000Total noninterest income
  • $0Fiduciary activities
  • $1,488Service charges on deposit accounts
  • $178Trading account gains & fees
  • $3,334Additional noninterest income
  • $34,179Total noninterest expense
  • $21,451Salaries and employee benefits
  • $8,436Premises and equipment expense
  • $4,292Additional noninterest expense
  • $21,844Pre-tax net operating income
  • $273Securities gains (losses)
  • $8,762Applicable income taxes
  • $13,355Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,355Net income attributable to bank
  • $0Net charge-offs
  • $13,355Cash dividends
  • $366Sale, conversion, retirement of capital stock, net
  • $18,087Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 6.65%Return on equity (ROE)
  • -2.36%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 108.20%Credit loss provision to net charge-offs
  • 60.77%Efficiency ratio
  • 60,177Assets per employee
  • 5.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 135.43%Loss allowance to loans
  • 0.22%Loss allowance to noncurrent loans
  • 59.66%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 58.13%Net loans and leases to core deposits
  • 64.82%Equity capital to assets
  • 12.85%Core capital (leverage) ratio
  • 13.08%Tier 1 risk-based capital ratio
  • 38.48%Total risk-based capital ratio
  • Memoranda
  • $39Average assets
  • $1,497,762Average earning assets
  • $200,800Average equity
  • $1,426,907Average loans

List of branches

  • 27 Hawaii Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043670Territorial Savings Bank1000 Bishop Street, Honolulu, HI 96813January 01, 1921Full Service Brick and Mortar
    1282340Ala Moana Center Branch1450 Ala Moana Blvd, Suite 1052, Honolulu, HI 96814January 01, 1921Full Service Brick and Mortar
    2282341Kailua Branch19 Oneawa Street, Kailua, HI 96734January 01, 1921Full Service Brick and Mortar
    3282342Waipahu Branch94-050 Farrington Highway, Waipahu, HI 96797January 01, 1921Full Service Brick and Mortar
    4282343Kahului Branch275 West Kaahumanu Avenue, Suite 1045a, Kahului, HI 96732January 01, 1921Full Service Brick and Mortar
    7282346Pearlridge Branch98-084 Kamehameha Highway, Aiea, HI 96701January 01, 1921Full Service Brick and Mortar
    8282347Lahaina Branch170 Papalaua Street, Unit 3, Lahaina, HI 96761January 01, 1921Full Service Brick and Mortar
    9282348Kaneohe Branch46-005 Kawa Street, Suite 102, Kaneohe, HI 96744January 01, 1921Full Service Brick and Mortar
    100282349Kaimuki Branch1108 12th Avenue, Suite C, Honolulu, HI 96816January 01, 1921Full Service Brick and Mortar
    101282350Kauai Branch4393 Kukui Grove Street, Lihue, HI 96766June 30, 1985Full Service Brick and Mortar
    102282351Kona Branch75-1027 Henry Street, #111b, Kailua-Kona, HI 96740June 30, 1985Full Service Brick and Mortar
    103282352Mccully Branch1111 Mccully Street, Honolulu, HI 96826June 30, 1989Full Service Brick and Mortar
    104282353Nuuanu Branch1613 Nuuanu Avenue, Suite B6, Honolulu, HI 96817October 21, 1996Full Service Brick and Mortar
    105282354Kalihi-Kapalama Branch1199 Dillingham Boulevard, Honolulu, HI 96817October 13, 1997Full Service Brick and Mortar
    106282355Hawaii Kai Branch377 Keahole Street, Honolulu, HI 96825June 01, 1998Full Service Brick and Mortar
    107366355Hilo Branch315 Makaala Street, Suite 102, Hilo, HI 96720December 21, 1998Full Service Brick and Mortar
    108366356Salt Lake Branch848 Ala Lilikoi Street, Honolulu, HI 96818May 07, 2001Full Service Brick and Mortar
    109423030Kapahulu Branch1016 Kapahulu Avenue, Suite 130, Honolulu, HI 96816January 21, 2003Full Service Brick and Mortar
    110424187Adminstrative Branch1132 Bishop Street, Suite 2200, Honolulu, HI 96813September 18, 2002Limited Service Administrative
    111445609Pearl City Branch850 Kamehameha Highway, Suite B2, Pearl City, HI 96782June 07, 2004Full Service Brick and Mortar
    112445610Mililani Branch95-1249 Meheula Parkway, Suite 168, Mililani, HI 96789October 18, 2004Full Service Brick and Mortar
    113445611Kapolei Branch480 Kamokila Boulevard, Suite 2, Kapolei, HI 96707March 28, 2005Full Service Brick and Mortar
    114445612Kahala Branch4819 Kilauea Avenue, Suite 4, Honolulu, HI 96816May 23, 2005Full Service Brick and Mortar
    115495492Kamehameha Shopping Center Branch1620 North School Street, Suite 136, Honolulu, HI 96817April 10, 2006Full Service Brick and Mortar
    116495493Waipio Branch94-1221 Ka Uka Boulevard, Suite 102, Waipahu, HI 96797September 18, 2006Full Service Brick and Mortar
    117520302Kihei Branch1279 S Kihei Rd Ste 311, Kihei, HI 96753June 30, 2010Full Service Brick and Mortar
    118522003Piikoi Branch1159 S Beretania Street, Honolulu, HI 96814December 27, 2010Full Service Brick and Mortar

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