HOW HEALTHY IS THIS BANK?
The State Bank of Pearl City
- Troubled asset ratio, June 2009 7.3
- National median, June 2009 13.0
- Troubled asset ratio, March 2009 17.0
- National median, March 2009 11.7
- Troubled asset ratio, Dec. 2008 9.9
- National median, Dec. 2008 9.9
- Troubled asset ratio, June 2008 8.7
- National median, June 2008 7.0
- Troubled asset ratio, March 2008 9.7
- National median, March 2008 6.0
- Troubled asset ratio, Dec. 2007 8.0
- National median, Dec. 2007 5.0
Financial details for The State Bank of Pearl City
Line item
Assets
Deposits
Loans
Loan loss provision
Profit
Capital
Reserves
Loans 90 days or more past due
Non-accruing loans
Other real estate owned
Capital plus reserves
Total troubled assets
June 30, 2008
$38,525,000
$34,403,000
$16,594,000
$15,000
$-42,000
$4,441,000
$257,000
$118,000
$290,000
$0
$4,698,000
$408,000
June 30, 2009
$43,737,000
$39,508,000
$19,401,000
$30,000
$-5,000
$4,422,000
$160,000
$44,000
$173,000
$116,000
$4,582,000
$333,000
Note: The Federal Deposit Insurance Corp. insures deposit accounts up to $250,000. The "troubled asset ratio" is not an FDIC statistic. It is derived by adding the amounts of loans past due 90 days or more, loans in non-accrual status and other real estate owned (primarily properties obtained through foreclosure) and dividing that amount by the bank's capital and loan loss reserves. It is reported as a percentage. For example, a bank with $100,000 in "troubled assets" and $1,000,000 in capital would have a "troubled asset ratio" of 10 percent. For a fuller explanation, see our methodology.
