2024 Overview
General Bank Information
ANZ Guam, Inc. is an FDIC insured institution located in Hagatna, GU. It was founded in 1991 and has approximately $0.04 billion in assets. Customers can open an account at one of its 5 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 33316 |
| Date Established | 1991 |
| Assets | $ 37.42 million |
| Loans | N.A. |
| Deposits | N.A. |
| Capital | $ 27.04 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 - July 26, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - July 26, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 6606 |
6.585% |
6.490% 1.00 points $3,178 fees |
$2,021 | Learn More |
NMLS ID: 1025894 |
6.701% |
6.625% 0.63 points $2,505 fees |
$2,049 | Learn More |
NMLS ID: 3030 |
7.064% |
6.990% 0.75 points $2,400 fees |
$2,127 | Learn More |
NMLS ID: 6606 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
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:
Columbus,Ohio
ANZ Guam, Inc. Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 5970.71 | A | View Lobby Hours | |
| 5974.39 | B | View Lobby Hours | |
| 12211.32 | C | View Lobby Hours |
Climate Policy and Initiatives
ANZ Guam, Inc. is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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 |
|---|---|
| 0% | 4.29% |
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, 2024, ANZ Guam, Inc. had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $27,039,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.
Return on Equity
| ANZ Guam, Inc. | U.S. Bank Average |
|---|---|
| -38.3% | 10.46% |
ANZ Guam, Inc. has a Return on Equity of -38.3% versus the BestCashCow average of 10.46%. 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 |
|---|---|
| 72.25% | 10.73% |
ANZ Guam, Inc. has a Capitalization of 72.25% versus the BestCashCow average of 10.73. 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 December 31, 2023, ANZ Guam, Inc. had assets of $37,424,000, loans of $0, and deposits of $0. 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, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 37.24 million |
| Interest-bearing balances | $ 3.73 million |
| Total securities | N.A. |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | N.A. |
| Loan loss allowance | N.A. |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 5.09 million |
| Total Assets | $ 10.39 million |
| LIABILITIES | |
|---|---|
| Total deposits | N.A. |
| Interest-bearing deposits | N.A. |
| Deposits held in domestic offices | N.A. |
| % insured (estimated) | 0.00% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.85 million |
| Total Liabilities | $ 10.39 million |
| Shareholders’ Equity | $ 27.04 million |
Summary Income Statement
March 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 2.70 million |
| Total Interest Expense | $ 0.01 million |
| Net interest income | $ 2.69 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.29 million |
| Total non interest expense | $ 12.94 million |
| Pre-tax Net Operating Income | N.A. |
Bank Loan Profile?
The top three loan types in ANZ Guam, Inc.’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.
Compared to other banks in , ANZ Guam, Inc. has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages, Credit Card Loans, Consumer Auto Loans, Construction and Development Loans, Commercial Real Estate, 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 | inf | ✓ | ||
| Multifamily Mortgages |
inf | ✓ | ||
| Credit Card Loans | inf | ✓ | ||
| Consumer Auto Loans | inf | ✓ | ||
| Small Business Loans | nan | ✓ | ||
| Construction and Development Loans | inf | ✓ | ||
| Commercial Real Estate | inf | ✓ | ||
| Commercial and Industrial Loans | inf | ✓ | ||
| Farm Loans | nan | ✓ | ||
Customer Reviews for ANZ Guam, Inc.
Dan
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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