First Hawaiian Bank

First Hawaiian Bank is headquartered in Honolulu and is the largest bank in the state of Hawaii. It is also the 71^st largest bank in the nation. It was established in 1858 and as of March of 2012, it had grown to 2,147 employees at 59 locations. First Hawaiian Bank has a 5-star health rating.

First Hawaiian Bank Routing Number: 121301015

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Data for Q1 2012

Institution Statistics First Hawaiian Bank FDIC Certificate # 17985 BankRate Report View Year Established 1858 Employees 2147 Primary Regulator FDIC Assets and Liabilities Assets $16.13 billion Loans $8.32 billion Deposits $12.42 billion Equity Capital $2.68 billion Loan Loss Allowance $124.79 million Unbacked Noncurrent Loans $37.99 million Real Estate Owned $4.51 million Historic Data - March 2011 Assets $15.15 billion Equity Capital $2.63 billion Loan Loss Allowance $109.98 million Unbacked Noncurrent Loans $44.36 million Real Estate Owned $2.17 million Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 1.42% Return on Equity 8.49% Interest Income $130.78 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Hawaiian Bank had $42.5 million in non-current loans and owned real-estate with $2.81 billion in equity and loan loss allowances on hand to cover it. This gives First Hawaiian Bank a Texas Ratio of 1.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Hawaiian Bank held steady from 1.70% as of March 31, 2011 to 1.51% as of March 31, 2012, resulting in a positive change of 10.83%.This indicates that the balance sheet and financial strength for First Hawaiian Bank has held steady in recent periods. Deposit Growth In the past year, First Hawaiian Bank has increased its total deposits by $1.62 billion, resulting in 15.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Hawaiian Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Hawaiian Bank has $16.13 billion in assets with $2.81 billion in equity, resulting in a capitalization level of 17.39%, which is excellent.