Community Reinvestment

First Hawaiian Bank Rated 'Outstanding' for
Community Reinvestment Performance

First Hawaiian Bank received a rating of "Outstanding" in its most recent evaluation by the Federal Deposit Insurance Corporation (FDIC) for its performance under the Community Reinvestment Act (CRA). This act encourages banks to support the borrowing needs of all of its communities, including the low-and-moderate income areas, consistent with safe and sound operation of the institution. This marked the ninth consecutive evaluation, dating back to 1995, in which First Hawaiian Bank had received an "Outstanding" rating.

The bank's overall Outstanding rating is a function of First Hawaiian Bank's performance under the Lending, Investment, and Services tests. The bank received an Outstanding rating on all three of the Investment, Lending, and Service tests.

The rating recognizes the bank's commitment to meet the credit and financial services needs of the entire community it serves. During the last exam period, from March 2016 through September 2018, First Hawaiian Bank made loans totaling approximately $975.1 million to support affordable housing projects, non-profit organizations serving low- and moderate-income individuals, economic development, and the revitalization and stabilization of low-and moderate-income areas.

The FDIC's evaluation report noted that the bank is a "leader in making community development loans" and makes extensive use of innovative and flexible lending practices to serve its assessment areas’ credit needs. The FDIC also recognized First Hawaiian Bank’s significant level of investments and grants to support various community development initiatives.

The FDIC's evaluation report noted that the bank is both a "leader in making community development loans and in providing services," and "exhibits excellent responsiveness to credit and community economic development needs"… through "extensive use of innovative and flexible lending practices to serve its assessment areas' credit needs." The FDIC also recognized First Hawaiian Bank's significant level of qualified investments and grants to support various community development initiatives.

First Hawaiian Bank's commitment to community development organizations was demonstrated by the 17,427 hours volunteered by the bank's personnel from March 2016 through September 2018. These hours assisted a variety of community development organizations and programs that serve the needs of low- and moderate-income residents and small businesses.

Compliance with the Community Reinvestment Act is monitored and enforced by the three federal bank regulatory agencies including the FDIC, FRB, and OCC.

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