FDIC Certificate #: 58231 Status: Active Federal Reserve ID: 3447772 Date Established: June 01, 2006 WWW:http://www.ohanapacificbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 443941 Numeric code: 21 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: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: June 01, 2006 Last Structure Change Effective Date: August 20, 2010 Last Structure Change Process Date: September 12, 2010 Last Data Update: September 12, 2010 Data Source Date: April 05, 2012
Location
Address: 1357 Kapiolani Boulevard, Suite 102, Honolulu, HI 96814 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
Financial Summary
Total assets: $90.8 mil Equity capital: $12.2 mil Deposits held in domestic offices: $78.0 mil Return on assets (ROA): 0.50% ($0.5 mil) Quarterly return on assets: 0.59% ($0.5 mil) Return on Equity (ROE): 4.14% ($0.5 mil) Quarterly return on equity: 4.47% ($0.5 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.50% ($454.0 mil) Quarterly Pretax return on assets: 0.59% ($535.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$90,795Total assets
$28,873Cash and due from depository institutions
$27,575Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$60,601Net loans & leases
$1,431Loan loss allowance
$0Trading account assets
$207Bank premises and fixed assets
$667Other real estate owned
$0Goodwill and other intangibles
$90,795Life insurance assets
$447All other assets
$78,567Total liabilities and capital
$77,982Total liabilities
$69,584Total deposits
$77,982Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$585Subordinated debt
$12,228All other liabilities
$12,228Total equity capital
$12,228Total bank equity capital
$0Perpetual preferred stock
$18,472Common stock
$639Surplus
$-6,883Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,660Income earned, not collected on loans
$0Earning assets
$235Long-term assets (5+ years)
$88,176Average Assets, year-to-date
$12,756Average Assets, quarterly
$93,413Volatile liabilities
$92,496Insider loans
$64,750FHLB advances
$91,799Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,228Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,847Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,921Total interest income
$681Total interest expense
$3,240Net interest income
$85Provision for loan and lease losses
$297Total noninterest income
$0Fiduciary activities
$101Service charges on deposit accounts
$0Trading account gains & fees
$196Additional noninterest income
$2,981Total noninterest expense
$1,415Salaries and employee benefits
$246Premises and equipment expense
$1,320Additional noninterest expense
$471Pre-tax net operating income
$0Securities gains (losses)
$1Applicable income taxes
$470Income before extraordinary items
$0Extraordinary gains - net
$470Net income attributable to bank
$0Net charge-offs
$470Cash dividends
$432Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.28%Yield on earning assets
0.74%Cost of funding earning assets
3.53%Net interest margin
0.32%Noninterest income to earning assets
3.25%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
0.50%Pretax return on assets
4.14%Return on equity (ROE)
4.14%Retained earnings to average equity (YTD only)
0.67%Net charge-offs to loans
19.68%Credit loss provision to net charge-offs
1.29%Efficiency ratio
84,280Assets per employee
5.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.31%Loss allowance to noncurrent loans
86.20%Noncurrent assets plus other real estate owned to assets
2.56%Noncurrent loans to loans
2.68%Net loans and leases to deposits
77.71%Net loans and leases to core deposits
82.54%Equity capital to assets
13.47%Core capital (leverage) ratio
13.32%Tier 1 risk-based capital ratio
18.88%Total risk-based capital ratio
Memoranda
$20Average assets
$93,413Average earning assets
$11,341Average equity
$91,687Average loans
List of branches
1 Hawaii Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
443941
Ohana Pacific Bank
1357 Kapiolani Boulevard, Suite 102, Honolulu, HI 96814
June 01, 2006
Full Service Brick and Mortar
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