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SBA 7(a) franchise lending portfolio
Hana Bank USA National Association
AVERAGE risk
- Total loans
- 63
- Loan volume
- $29.4M
- Avg loan size
- $466K
- Default rate
- 11.1%
- vs 15.4% national avg
Defaults
7
Avg interest
5.89%
Franchises funded
39
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Blimpie | 6 | $418K | 16.7% |
| Dunkin Donuts | 6 | $6.1M | 0.0% |
| Cold Stone Creamery, Inc. | 5 | $1.1M | 0.0% |
| Subway Sandwich Shop | 3 | $285K | 0.0% |
| Meineke Car Care | 3 | $912K | 0.0% |
| Gosh Enterprises | 2 | $240K | 0.0% |
| Mail Boxes Etc. Usa | 2 | $170K | 0.0% |
| Quiznos | 2 | $380K | 50.0% |
| Tcby | 2 | $108K | 0.0% |
| Charley's Steakery Fresh Grill | 2 | $140K | 0.0% |
| Golden Krust Caribbean Bakery | 2 | $258K | 0.0% |
| Lee Myles Automotive Transmiss | 1 | $115K | 0.0% |
| Seven-Eleven (7-11) Food Store | 1 | $100K | 0.0% |
| Ranch 1 Group, Inc. | 1 | $125K | 0.0% |
| Imagine That !!! | 1 | $245K | 0.0% |
| Nathan's Famous | 1 | $200K | 0.0% |
| Colorall | 1 | $78K | 0.0% |
| Yogurberry | 1 | $150K | 0.0% |
| Kentucky Fried Chicken | 1 | $637K | 100.0% |
| Goodyear Tire | 1 | $400K | 0.0% |
Lending volume by year
1'94
7'95
1'96
4'97
1'98
1'00
5'03
4'04
4'05
9'06
4'07
5'08
4'09
3'10
4'11
5'12
1'13
Hana Bank USA National Association default rate by loan vintage
BrandNational avg
Geographic exposure
296.9%
214.8%
633.3%
425.0%
1100.0%
10.0%
10.0%
Portfolio summary
Total funded$29.4M
Defaults7 of 63
Risk tierAVERAGE
Avg rate5.89%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), Critical (>20%).