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 seventh consecutive evaluation, dating back to 1995, in which First Hawaiian Bank had received an "Outstanding" rating. Only 7.2% of all U.S. banks 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 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 November 2009 through December 2012, First Hawaiian Bank made loans totaling approximately $804 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 makes extensive use of innovative and flexible lending products and practices, with its lending levels reflecting an excellent responsiveness to its assessment areas’ credit needs. The FDIC also recognized First Hawaiian Bank’s high level of investments and grants to support various community development initiatives.

Aside from being recognized as a “leader in making community development loans,” the FDIC’s evaluation also recognized the bank as being a “leader in providing community development services.” First Hawaiian Bank's commitment to community development organizations was demonstrated by the 23,500 hours volunteered by the bank’s personnel from November 2009 through December 2012. 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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