# ANZ GUAM INC
HAGATNA, GU · FDIC certificate 33316 · asset band <$300M · latest filing 2023-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $37.4M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $27.0M | |
| Loans / deposits | 0.00% (p2 of band) | 70.54% |
| Liquid assets / assets | 99.50% (p100 of band) | |
| Uninsured deposits / deposits | – | 19.32% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 70.67% (p97 of band) | 11.31% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -16.04% |
| AOCI / equity | 0.00% (p10 of band) | |
| ROA (annualized) | -18.49% (p0 of band) | 0.93% |
| Net interest margin | 4.66% (p87 of band) | 3.54% |
| Efficiency ratio | 433.50% (p100 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.20% |
| Net charge-offs (annualized) | 1.77% (p100 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -100.0% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 | reserve under noncurrent | losing money |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 3 | losing money, charge-offs p90 |  |
| 2012-06 | 5 | capital falling, expense ratio p90 |  |
| 2012-09 | 4 |  | expense ratio p90 |
| 2012-12 | 2 |  | charge-offs p90, capital falling |
| 2013-03 | 1 |  | losing money |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | deposits shrinking |  |
| 2014-06 | 2 | expense ratio p90 | deposits shrinking |
| 2014-09 | 1 |  | expense ratio p90 |
| 2014-12 | 4 | expense ratio p90, noncurrent p90, deposits shrinking |  |
| 2015-03 | 5 | losing money, charge-offs p90 | deposits shrinking |
| 2015-06 | 6 | capital falling |  |
| 2015-09 | 3 |  | losing money, charge-offs p90, capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | losing money |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | losing money |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | NIM <2.5% |  |
| 2017-06 | 3 |  | NIM <2.5% |
| 2017-09 | 5 | deposits shrinking, assets shrinking |  |
| 2017-12 | 7 | losing money, uninsured deposits leaving |  |
| 2018-03 | 3 |  | deposits shrinking, assets shrinking, losing money, uninsured deposits leaving |
| 2018-06 | 3 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2018-09 | 5 | noncurrent p90, reserve under noncurrent, assets shrinking | uninsured deposits leaving |
| 2018-12 | 4 |  | assets shrinking |
| 2019-03 | 5 | assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2019-06 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2019-09 | 3 | expense ratio p90 | deposits shrinking |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 5 | losing money |  |
| 2020-06 | 7 | NIM <2.5%, charge-offs p90 |  |
| 2020-09 | 7 |  |  |
| 2020-12 | 7 |  |  |
| 2021-03 | 6 |  | charge-offs p90 |
| 2021-06 | 5 |  | reserve under noncurrent |
| 2021-09 | 6 | reserve under noncurrent |  |
| 2021-12 | 5 |  | reserve under noncurrent |
| 2022-03 | 7 | charge-offs p90, reserve under noncurrent |  |
| 2022-06 | 7 | deposits shrinking, assets shrinking | capital falling, reserve under noncurrent |
| 2022-09 | 8 | uninsured deposits leaving |  |
| 2022-12 | 9 | uninsured deposits >50% |  |
| 2023-03 | 9 | reserve under noncurrent | NIM <2.5% |
| 2023-06 | 7 |  | charge-offs p90, reserve under noncurrent |
| 2023-09 | 7 | charge-offs p90 | noncurrent p90 |
| 2023-12 | 5 |  | uninsured deposits leaving, uninsured deposits >50% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-03-22 [Three sue ANZ bank, alleging bank failed to send important account information - guampdn.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPS2RFY29IZklYX3V1NV83cDFYaXJ3bHFUZmFvQUl1YlhOclNsMG1tR3UtamozOGNyT0ZlWFBtN01MR0lYZ01US3ZDLWR1TFFoMVdqVjIzWURXd3BMLTU4QWMwY0FKSlhnUFJPU09sczVvVkNpVjFSc3ZlZlNfcHJtckoxQW9RZkRLdEctNDl5MC1wQnZ2MWJSZENKcnp2TmpfTXc3TFh5WEkydzF2ejQ2ODZ2N2U5VFFkcy1uYWZvZG91UWFiLXo5dFBxT0tBcTVNWXVfOXdhWk1kd1ZKR0tNZ09yU1N6dksxbzZoV2Jhdm1QaTVx?oc=5) · guampdn.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33316 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "33316", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide