ANZ Guam, Inc.

Headquarters

424 W Obrien Dr, 112
Hagatna, GU 96932
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

ANZ Guam, Inc. is an FDIC insured institution located in Hagatna, GU. It was founded in 1991 and has approximately $0.33 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 33316
Date Established 1991
Assets $ 328.74 million
Loans $ 71.04 million
Deposits $ 277.19 million
Capital $ 49.34 million
 

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.

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 31, 2020

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:




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Note to ANZ Guam, Inc.
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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
7.67% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, ANZ Guam, Inc. had $3,949,000 in non-current loans and $101,000 in owned real estate. To cover these potential losses it had $49,342,000 in equity and $3,435,000 in loans loss reserves. That gives it a Texas Ratio of 7.67%.

Return on Equity
ANZ Guam, Inc. U.S. Bank Average
-3.14% 7.80%

ANZ Guam, Inc. has a Return on Equity of -3.14% versus the BestCashCow average of 7.80%. 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
15.01% 12.68%

ANZ Guam, Inc. has a Capitalization of 15.01% versus the BestCashCow average of 12.68. 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, 2020, ANZ Guam, Inc. had assets of $328,741,000, loans of $71,039,000, and deposits of $277,190,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 252.09 million
Interest-bearing balances $ 243.51 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 71.04 million
Loan loss allowance $ 3.44 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.10 million
Goodwill and other intangibles $ 0.95 million
All other assets $ 3.29 million
     Total Assets $ 279.40 million
LIABILITIES
Total deposits $ 277.19 million
      Interest-bearing deposits $ 152.92 million
      Deposits held in domestic offices $ 277.19 million
      % insured (estimated) 57.67%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.07 million
Subordinated debt N.A.
All other liabilities $ 2.14 million
      Total Liabilities $ 279.40 million
      Shareholders’ Equity $ 49.34 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.12 million
Total Interest Expense $ 0.06 million
Net interest income $ 2.07 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.71 million
Total non interest expense $ 3.14 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

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 31.33
Multifamily
Mortgages
8.25
Credit Card Loans 0.41
Consumer Auto Loans 0.25
Small Business Loans 0.00
Construction and Development Loans 5.54
Commercial Real Estate 35.87
Commercial and Industrial Loans 22.75
Farm Loans 0.00

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.


  • August 10, 2020

    When purchasing a new home using a VA loan, my realtor suggested ANZ as they were faster. They weren't. After obtaining the loan, I wanted to set up payment from my bank to the mortgage but was told by ANZ I had to have a savings or checking account with them to pay the mortgage. Not going to happen. For 8 years I paid my mortgage taking cash from my bank and going to their teller to pay. I sold the house. In closing the escrow, I was told it would take them two weeks to close out and mail me the check. After 5 weeks I went back in to see what the hold up was and was then informed they don't close out accounts until the following month. I stated that in three days it will have been 6 weeks, 15 minutes later they found my check, dated 5 days prior. After signing for the check, I figured since I am here I'd cash the check. To add insult to injury, ANZ could not cash the check without charging me a fee as I no longer have an account with them. 8 years of interest from my mortgage, a month sitting on my escrow and they can't even cash a check from their on bank. Be ready to pay If you choose to use these guys!!!

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