ANZ Guam, Inc.

424 W O'brien Dr #112
Hagatna, GU 96910

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33316
Date Established 1991
Assets $0.35 billion
Loans $0.10 billion
Deposits $0.30 billion
Capital $0.05 billion

ANZ Guam, Inc. is an FDIC insured institution located in Hagatna, GU. It was founded in 1991 and has approximately $0.35 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of ANZ Guam, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in ANZ Guam, Inc.’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in , ANZ Guam, Inc. has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.38
Multifamily
Mortgages
5.67
Credit Card Loans 0.30
Consumer Auto Loans 0.05
Small Business Loans 0.00
Construction and Development Loans 6.73
Commercial Real Estate 12.54
Commercial and Industrial Loans 44.82
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Anz Guam, Inc., but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ANZ Guam, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.391% 4.375% 0.00 $475 $1,249 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.799% 4.750% 0.00 $1,408 $1,305 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.411% 4.375% 0.00 $1,190 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to ANZ Guam, Inc.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

ANZ Guam, Inc. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


ANZ Guam, Inc. Locations

Financial Details

ANZ Guam, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of ANZ Guam, Inc.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
ANZ Guam, Inc. U.S. Bank Average
13.26% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, ANZ Guam, Inc. had $6,491,000 in non-current loans and $167,000 in owned real estate. To cover these potential losses it had $46,883,000 in equity and $3,334,000 in loans loss reserves. That gives it a Texas Ratio of 13.26%.

Return on Equity
ANZ Guam, Inc. U.S. Bank Average
3.29% 9.35%

ANZ Guam, Inc. has a Return on Equity of 3.29% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
ANZ Guam, Inc. U.S. Bank Average
13.48% 12.01%

ANZ Guam, Inc. has a Capitalization of 13.48% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

ANZ Guam, Inc. Balance Sheet Analysis

As of March 31, 2018, ANZ Guam, Inc. had assets of $347,839,000, loans of $101,524,000, and deposits of $298,912,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.24 billion
Interest-bearing balances $0.23 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.30 billion
LIABILITIES
Total deposits $0.30 billion
      Interest-bearing deposits $0.19 billion
      Deposits held in domestic offices $0.30 billion
      % insured (estimated) 50.33%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.30 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Anz Guam, Inc.

Branches and Savings

Is Anz Guam, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #33316.

Why does Anz Guam, Inc. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Anz Guam, Inc. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Anz Guam, Inc. a commercial bank?

Yes

Where are Anz Guam, Inc. locations?

See branch locations nearby.

Is Anz Guam, Inc. open on Saturdays?

Is Anz Guam, Inc. open on Sundays?

What time does Anz Guam, Inc. open?

What time does Anz Guam, Inc. close?

Are Anz Guam, Inc. ATMs Open 24/7?

Do Anz Guam, Inc. ATMs accept cash deposits?

Can Anz Guam, Inc. customers use other ATMs?

Do Anz Guam, Inc. branches have notaries?

Will Anz Guam, Inc. notarize my document?

What address for Anz Guam, Inc. should I put for incoming ACH transfers?

Will the Anz Guam, Inc. branch print checks?

Do Anz Guam, Inc. checks expire?

Does Anz Guam, Inc. require US citizenship to open account?

Can Anz Guam, Inc. close my account?

Does Anz Guam, Inc. Report to credit bureaus?

Does Anz Guam, Inc. Use Equifax?

What is Anz Guam, Inc.'s ACH Routing Number?

What is Anz Guam, Inc.'s SWIFT code?

Products

Does Anz Guam, Inc. offer mortgages?

Compare mortgage rates here.

Does Anz Guam, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Anz Guam, Inc. offer personal loans?

Compare personal loan rates here.

Does Anz Guam, Inc. offer student loans?

Will Anz Guam, Inc. cash a check?

Will Anz Guam, Inc. redeem a savings bond?

Does Anz Guam, Inc. cash savings bonds?

Will Anz Guam, Inc. cash money orders?

Can Anz Guam, Inc. issue a money order?

Does Anz Guam, Inc. do currency exchange?

Background on The Bank

Who owns Anz Guam, Inc.?

How long has Anz Guam, Inc. been around?

Can Anz Guam, Inc. transfer to other banks?

Does Anz Guam, Inc. have quick pay?

Does Anz Guam, Inc. accept rolled coins?

Will Anz Guam, Inc. accept loose change?

Where is Anz Guam, Inc. headquarters?

Customer Reviews for ANZ Guam, Inc.

There are currently no comments for ANZ Guam, Inc.. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →