ANZ Guam, Inc.

424 W Obrien Dr, 112
Hagatna, GU 96932

Notable Rates APY Vs.Others
Savings N.A. 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

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 $0.32 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 33316
Date Established 1991
Assets $0.32 billion
Loans $0.07 billion
Deposits $0.27 billion
Capital $0.05 billion

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 - February 20, 2020

Your Current Location: Virginia, VA 20146

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

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Loan Rates - February 20, 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:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: MC-3098
3.375% 3.375% 0.00 ($80) $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to ANZ Guam, Inc.
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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 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
8.76% 6.70%

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 September 30, 2019, ANZ Guam, Inc. had $4,536,000 in non-current loans and $101,000 in owned real estate. To cover these potential losses it had $49,530,000 in equity and $3,420,000 in loans loss reserves. That gives it a Texas Ratio of 8.76%.

Return on Equity
ANZ Guam, Inc. U.S. Bank Average
3.66% 9.72%

ANZ Guam, Inc. has a Return on Equity of 3.66% versus the BestCashCow average of 9.72%. 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.

ANZ Guam, Inc. U.S. Bank Average
15.35% 12.89%

ANZ Guam, Inc. has a Capitalization of 15.35% versus the BestCashCow average of 12.89. 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 September 30, 2019, ANZ Guam, Inc. had assets of $322,748,000, loans of $74,687,000, and deposits of $270,164,000. 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

September 30, 2019
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 $0.07 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 $0.00 billion
     Total Assets $0.27 billion
Total deposits $0.27 billion
      Interest-bearing deposits $0.16 billion
      Deposits held in domestic offices $0.27 billion
      % insured (estimated) 58.16%
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 $0.27 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

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 Construction and Development Loans, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 35.01
Credit Card Loans 0.45
Consumer Auto Loans 0.04
Small Business Loans 0.00
Construction and Development Loans 8.65
Commercial Real Estate 19.10
Commercial and Industrial Loans 35.92
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?


Where are Anz Guam, Inc. locations?

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Does Anz Guam, Inc. offer mortgages?

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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?

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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?

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