Bank USA, N.A. in Kihei, Hawaii (HI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 19, 1995

Bank USA, N.A. in Kihei, Hawaii (HI)
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Bank USA, N.A. - Overview

General
FDIC Certificate #: 23751
Status: Inactive
Closing history: Corrections
Acquiring institution: Hawaii National Bank (#18296)
Federal Reserve ID: 534662
Date Established: March 10, 1982
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
FDIC's unique #: 16603
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: March 10, 1982
Last Structure Change Effective Date: May 19, 1995
Last Structure Change Process Date: May 23, 1995
Last Data Update: May 23, 1995
Data Source Date: April 05, 2012
Location
Address: 1325 South Kihei Road, Kihei, HI 96753
County: Maui
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
Core Based Statistical Area (CBSA): Kahului-Wailuku, HI (#27980)
CBSA Micro Statistical Area: Yes
History of Changes
Absorption - Assisted
Corrections
Financial Summary
Total assets: $9.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$8,817Cash and due from depository institutions
$562Interest-bearing balances
$0Securities
$2,106Federal funds sold & reverse repurchase agreements
$480Net loans & leases
$4,112Loan loss allowance
$263Trading account assets
$0Bank premises and fixed assets
$603Other real estate owned
$810Goodwill and other intangibles
$144Life insurance assets
$0All other assets
$0Total liabilities and capital
$8,817Total liabilities
$8,703Total deposits
$8,677Interest-bearing deposits
$6,714Deposits held in domestic offices
8677.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$26Total equity capital
$26Total bank equity capital
$114Perpetual preferred stock
$0Common stock
$2,000Surplus
$1,412Undivided profits
Memoranda
$-3,298Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$211Income earned, not collected on loans
$40Earning assets
$6,698Long-term assets (5+ years)
$2,125Average Assets, year-to-date
$9,856Average Assets, quarterly
$9,074Volatile liabilities
$500Insider loans
$4FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$66Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$427Total risk weighted assets
$5,867Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$774Total interest expense
$267Net interest income
$507Provision for loan and lease losses
$297Total noninterest income
$226Fiduciary activities
$0Service charges on deposit accounts
$171Trading account gains & fees
$0Additional noninterest income
$55Total noninterest expense
$1,241Salaries and employee benefits
$469Premises and equipment expense
$282Additional noninterest expense
$490Pre-tax net operating income
-$805Securities gains (losses)
$0Applicable income taxes
$0Income before extraordinary items
-$805Extraordinary gains - net
$0Net income attributable to bank
-$805Net charge-offs
$144Cash dividends
$0Sale, conversion, retirement of capital stock, net
$450Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
10.07%Cost of funding earning assets
3.47%Net interest margin
6.60%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
16.14%Net operating income to assets
-8.17%Return on assets (ROA)
-8.17%Pretax return on assets
-8.17%Return on equity (ROE)
-205.57%Retained earnings to average equity (YTD only)
-205.57%Net charge-offs to loans
2.95%Credit loss provision to net charge-offs
206.25%Efficiency ratio
169,304Assets per employee
0.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.01%Loss allowance to noncurrent loans
124.64%Noncurrent assets plus other real estate owned to assets
11.58%Noncurrent loans to loans
4.82%Net loans and leases to deposits
47.39%Net loans and leases to core deposits
50.29%Equity capital to assets
1.29%Core capital (leverage) ratio
4.60%Tier 1 risk-based capital ratio
7.28%Total risk-based capital ratio
Memoranda
$9Average assets
$9,856Average earning assets
$392Average equity
$7,687Average loans

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