T he C urrencyof P ositive C hange Community

T h e
C u r r e n c y
o f
P o s i t i v e
C h a n g e
Community Report
2012
Bank of Hawaii 2012 Impact at a Glance
2,276
12,191
Employees
2,558
525
Volunteer hours contributed to financial
education of children in schools.
5,834
Volunteer hours contributed to community
organizations, including financial education,
by Bank of Hawaii employees and retirees.
Not-for-profit community organizations
that benefited from contributions of money,
time or expertise from Bank of Hawaii and its
employees, and Bank of Hawaii Foundation.
976
7
103
$
3.8
MILLION
Residential mortgages recorded by BOH.
Bank of Hawaii also loaned nearly $1.5 billion
to Hawaii homeowners—more than any
other local lender, making BOH the state’s
#1 local residential lender.
Low-income housing units financed by
Bank of Hawaii.
Consecutive ratings of “Outstanding,”
the highest possible rating by the
Federal Reserve Board, for performance
under the Community Reinvestment Act.
Guaranteed loans made by Bank of Hawaii
to small businesses in 2012, leading to BOH
being named Hawaii’s “Lender of the Year” in
Category 1 by the Small Business Administration.
Contributions of Bank of Hawaii and its
employees and retirees, and Bank of Hawaii
Foundation to community organizations,
including $1.4 million value of in-kind donations.
Aloha,
At Bank of Hawaii, we believe in investing in our community. As the
state’s largest independently owned financial institution, we see
community investment as a corporate responsibility and opportunity
to make a positive difference. We also know that success in business
is closely linked to the success of our island communities.
We draw inspiration from the life and legacy of U.S. Senator Daniel
K. Inouye. Generations will benefit from his leadership, which
broadened Hawaii’s presence and influence beyond our Islands to
the nation and world. Senator Inouye was a tireless advocate for
Hawaii’s people, communities and economy, and for that we are
truly grateful.
Investing in our community takes many forms. We provide
customers with quality banking and investment products and
services to help them build financial security. We encourage
volunteerism, contributing the time, energy and talents of our
employees and retirees. In addition, we provide support from
Bank of Hawaii Foundation and our employee giving campaigns.
We hope you will find this report a useful resource for understanding
the current state of some of the community’s social needs. We also
hope you will enjoy reading about our efforts as a local corporation
supporting our community.
We wish to extend a warm mahalo to the
many organizations and individuals who
partner with us to strengthen our community
and make it a better place for everyone.
Sincerely,
Peter S. Ho
Chairman, President,
and Chief Executive Officer
Bank of Hawaii Corporation
and Bank of Hawaii
Chairman, Bank of Hawaii Foundation
2
H AWA I I
A S S E T- R E L AT E D
I N D I C AT O R S
Asset Poverty1
Hawaii’s high cost of living, volume of low-wage jobs,
and cost of housing continue to make it difficult for
people to build assets. Several key 2012 indicators for
Hawaii underscore why Bank of Hawaii focuses on
strengthening the communities we serve.
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
Asset Poverty1
14.6% of households are asset poor, meaning they are without
sufficient net worth to subsist at the poverty level for three
months in the absence of income.
Zero Net Worth1
11.5% of households have zero or negative net worth. Households
with negative net worth owe more than they own.
31%
25%
25%
|
2002
|
2005
19%
|
|
2007–08 2009–10
19%
15%
|
2012
|
2013
16%
12%
|
2012
|
2013
Zero Net Worth1
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
18%
20%
|
2002
|
2005
23%
14%
|
|
2007–08 2009–10
Credit Card Debt1
$13,031 is the average credit card debt of individual borrowers,
among the highest in the country.
Credit Card Debt1
$ 13,500
12,000
10,500
9,000
7,500
6,000
4,500
3,000
1,500
0
$ 12,419
$ 13,031
•
•
|
2012
|
2013
$ 2,859
$ 1,623
•
|
2007–08
|
2009–10
•
3
Home Ownership1
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
H AWA I I
55%
58%
|
2002
|
2005
60%
54%
|
|
2007–08 2009–10
58%
57%
|
2012
|
2013
A S S E T- R E L AT E D
I N D I C AT O R S
Housing Cost Burden1
Home Ownership1
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
Only 56.8% of Hawaii’s households own their homes, among the
lowest in the country.
50%
46%
49%
Housing Cost Burden1
49.2% of income in Hawaii households is consumed by costs of
owning a home, the highest in the country.
|
2009–10
|
2012
|
2013
Fair-Market Rent2
Fair-Market Rent2
$ 1,800
1,600
1,400
1,200
1,000
800
600
400
200
0
$ 1,509 $ 1,509 $ 1,536
•
$ 1,159
$ 885
•
$ 915
•
•
•
$ 1,610 $ 1,616 $ 1,647 $ 1,671
•
•
•
•
$ 1,224
$1,671 for a two-bedroom apartment at “fair-market rent” is the
highest in the country. Fair-market rent is determined by the
Dept. of Housing and Urban Development (HUD).
•
Housing Wage2
•
|
|
|
|
|
|
|
|
2003 2004 2005 2006 2007 2008 2009 2010
|
2011
|
2012
|
2013
$32.14 is the hourly wage a full-time worker would have to make to
afford a two-bedroom fair-market rental in Hawaii, the highest in
the country.
Housing Wage2
$ 36.00
32.00
28.00
24.00
20.00
16.00
12.00
8.00
4.00
0
$ 31.68 $ 32.14
$ 29.02 $ 29.02 $ 29.53 $ 30.96 $ 31.08
•
•
•
•
•
•
•
1
Corporation for Enterprise Development’s
2013 Assets and Opportunities Scorecard for Hawaii,
http://scorecard.assetsandopportunity.org/2013/state/hi.
$ 22.30 $ 23.53
$ 17.02
•
$ 17.60
•
Sources:
•
•
2
|
|
|
|
|
|
|
|
2003 2004 2005 2006 2007 2008 2009 2010
|
2011
|
2012
|
2013
National Low Income Housing Coalition,
Housing Out of Reach 2013: Hawaii,
http://nlihc.org/oor/2013/HI.
4
Unemployment Rate
H AWA I I
A S S E T- R E L AT E D
I N D I C AT O R S
Unemployment Rate3
5.8% of people are unemployed. This relatively low rate is because
Oahu was somewhat insulated from the recession, Hawaii’s military
industry has been stable, and our tourism industry has bounced back.
Underemployment Rate4
15.1% of people are underemployed, meaning they are either
unemployed or working part time, but want to be working full time.
Children in Poverty5
51,000 children in Hawaii or 16.8% under 18 years of age live in
families with income below the $22,811 federal poverty line for a
four-person household.
Children Ages 3 to 4 Not Enrolled in Preschool6
48% of Hawaii’s 3- and 4-year-olds are not enrolled in Head Start or
preschool. High-quality prekindergarten programs can improve school
readiness, with the greatest gains accruing to the highest-risk children.
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
2.8% 2.4% 2.6% 4.0% 6.8% 7.0% 6.5% 5.8%
|
|
|
|
|
|
|
|
2005 2006 2007 2008 2009 2010 2011 2012
Underemployment Rate
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
16% 17%
9%
9%
8%
6%
6%
6%
|
|
|
|
|
|
|
|
2003 2004 2005 2006 2007 2008 2009 2010
15%
|
2011
Children in Poverty
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
15%
17%
|
|
|
|
|
|
2005 2006 2007 2008 2009 2010
|
2011
13%
12%
11%
11%
14%
Sources:
Children Ages 3 to 4 Not Enrolled in Preschool
3
Bureau of Labor Statistics, U.S. Dept. of Labor, Regional & State Unemployment,
http://www.bls.gov.
4
Corporation for Enterprise Development’s 2013 Assets and Opportunities
Scorecard for Hawaii, http://scorecard.assetsandopportunity.org/2013/state/hi.
5
University of Hawaii Center on the Family Data Center, Child & Family Indicators,
2012 updates, http://uhfamily.hawaii.edu/cof_data/cfi/family_indicators.
6
2013 Kids Count Data Book, a project of the Annie E. Casey Foundation, selected
indicators for Hawaii, http://datacenter.kidscount.org/publications/databook/2013.
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
52%
|
2005–07
48%
47%
48%
|
2006–08
|
2007–09
|
2009–11
5
Partnering for Positive Change
6
F O C U S
A R E A S
Financial Education
Financial knowledge is the key to economic empowerment.
We couldn’t agree more with the following statement.
“[W]e want consumers of all ages to have the opportunities
and resources to improve their financial capability so they
are able to navigate the financial marketplace effectively
and take more control over their economic lives.”
—Consumer Financial Protection Bureau Director Richard Cordray
Senior Executive Vice President Jill Higa teaches Jefferson Elementary
kindergarteners about saving.
Financial education starts where all
good education starts—with our children.
“Teach Children to Save”
As part of our annual “Teach Children to Save” initiative, more than
175 BOH volunteers taught nearly 4,000 students at 31 elementary,
middle and high schools. In addition, as part of our annual “Get
Smart About Credit Day,” 80 BOH volunteers taught more than
2,400 students at 22 schools about responsible credit practices.
A Jefferson Elementary kindergartener learns
about the different values of different-sized coins.
7
F O C U S
I n 2 0 12 ,
empl oyees
volunteered
3,095
hours
to provide financial education. This includes teaching
more than 6,000 students attending 71 public schools
that serve students from low- and moderate-income families.
Waiakamilo Branch Manager Bill Shiroma meets with Tiffany
Tuilata, one of the young adults who opened a savings account
under the Hawaii Youth Opportunity Initiative.
A R E A S
Youth Savings Accounts
Bank of Hawaii has opened nearly 240 youth savings accounts for foster
youth who are transitioning out of the state’s foster care system to
adulthood. The Hawaii Youth Opportunity Initiative, led by EPIC ‘Ohana,
Inc., features savings accounts with built-in matching incentives to
promote savings, financial goal setting and, in some cases, college
access. The savings accounts are paired with financial education.
Volunteer Income Tax Assistance
We also provide volunteer income tax assistance for low- and moderateincome families and individuals to help them maximize tax refunds.
10 BOH volunteers prepared
194 free tax returns
,
$
resulting in
133,874 in refunds.
“Smart Money” Seminars
Since 2009, we have offered the “Smart Money” series of free financial
education seminars that provide the public with information to better
manage their finances. Taught by trained employees, the sessions are
held at BOH branches, schools and community organizations in Hawaii,
Guam, American Samoa and Saipan. We customize the seminars for
audiences, including first-time home buyers, people interested in home
renovation, and multilingual groups. In addition, we partner with nonprofits to make financial education available to their clients.
8
F O C U S
A R E A S
Housing
# In number of loans made in the state of Hawaii
1
# In total dollars by a local bank for residential loans
1
Hawaii is the most expensive state
in the nation for renters.
41%
of households in Hawaii rent.
Nearly half are severely cost burdened.
In Hawaii, the average wage
of renters is $13.56 an hour,
with the minimum wage at $7.25.
To afford the fair-market price of a
2-bedroom apartment at $1,671 a month,
a minimum wage earner will need to work
177 hours per week for 52 weeks a year,
or be part of a household consisting of
4.4 minimum wage earners working
year-round for 40 hours per week.2
For the second consecutive year, Bank
of Hawaii is the #1 local residential
lender in Hawaii. We originated nearly
$1.5 billion in residential loans, helping
5,834 individuals and families in 2012.
Sources:
1
Title Guaranty, derived from Hawaii Bureau
of Conveyances tax data for 2012.
2
National Low Income Housing Coalition,
Housing Out of Reach 2013: Hawaii,
http://nlihc.org/orr/2013.HI.
9
F O C U S
A R E A S
Here are two good examples of public-private
partnerships:
Imi Ikena Apartments, Wailuku, Maui will be
a four-story, 28-unit rental project for working
families earning 30 to 50 percent of the area
median income. Developer Imi Ikena Housing Partners LLC used a
combination of public and private financing sources, including lowincome housing tax credits from the Hawaii Housing Finance &
Development Corporation and affordable housing funds from the
County of Maui. Bank of Hawaii provided a $7.7 million construction
loan, and will provide the permanent loan of $510,000 upon
completion. Construction started in 2012, and completion is
scheduled for late 2013.
Rendering of Imi Ikena Apartments by Visual Graphic Design LLC, Neil Ponsky
Images courtesy of EAH Housing
Bank of Hawaii remains committed to public-private partnerships
as the most effective means of increasing the supply of affordable
housing, particularly rental housing for working families and seniors.
In 2012, Bank of Hawaii helped to develop 976 affordable rental and
for-sale housing units by providing construction, bridge and permanent
financing, and investing in low-income housing tax credits.
Hale Wai Vista Phase II, Waianae, Oahu provides 132 rental
apartments for families earning at or below 60 percent of the
area median income. Developer Hawaii Housing Development
Corporation used a combination of public and private financing
sources. Bank of Hawaii provided a portion of the financing
through an $8.5 million bridge loan, a commitment to invest
$2.3 million in low-income housing tax credit equity, and a
permanent loan of $1 million upon stabilization in 2012.
10
F O C U S
A R E A S
Caring for Kupuna
Bank of Hawaii invests time and
resources to assist Hawaii’s seniors,
who may face increasing healthcare
needs and diminishing income. Bank
of Hawaii supports the United Way
organizations across the state and
their partner agencies in meeting the
needs of Hawaii’s seniors.
In addition, BOH conducts “Smart
Money” seminars on topics for seniors, including sessions on how
to avoid fraud, estate planning and long-term care insurance.
■
Hawaii Meals on Wheels volunteer
Faye Miyamasu makes a delivery to
a Hawaii Kai meal recipient.
Photo courtesy of Hawaii Meals on Wheels
The bank’s employees donate
personal time and monies to help
the senior community. As part of
the Employee Giving Campaign,
employees raised $46,917 for Hawaii
Meals on Wheels, helping to increase the number of hot meals
delivered to homebound individuals to more than 82,000 in 2012.
62% of Hawaii’s elderly have low or very low income, living in
Hawaii on a fixed annual income of $6,000 to $10,000 or less.1
■ The fastest growing homeless population in Hawaii is seniors.
■ In 2010, 75% of U.S. workers between the ages of 50 and 64
had annual incomes below $52,201, with an average total
retirement balance of $26,395.2
Sources:
1
The Henry J. Kaiser Family Foundation, Hawaii: Categories & Indicators,
http://kff.org/statedata/?state=HI.
2
Schwartz Center for Economic Policy Analysis, Retirement Account Balances
by Income, 2010 data, http://www.economicpolicyresearch.org/guaranteeingretirement-income/528-retirement-account-balances-by-income-even-thehighest-earners-dont-have-enough.html.
In 2012, Bank of Hawaii donated the historic Kohala branch building on Hawaii
Island to the County’s Department of Parks and Recreation Office of Aging for
senior citizens programs.
11
F O C U S
A R E A S
Keiki Are Our Priority
Participants in the After-School All-Stars Hawaii program.
Photo Courtesy of After-School All-Stars Hawaii
At Bank of Hawaii, we believe that all children deserve the
opportunity to succeed. Our community partnerships
supporting in-school and extracurricular education programs
are an investment in a brighter future.
“[E]arly childhood programs are a good investment,
with inflation-adjusted annual rates of return estimated
to reach 10 percent or higher. Very few alternative
investments can promise that kind of return.”
—Federal Reserve Bank Chairman Ben Bernanke
Preparing Children for School Success
■
Good Beginnings Alliance “Be My Voice! Hawaii” campaign.
To raise awareness of the importance of early education and to
ensure that every 4-year-old has access to preschool education.
■
State of Hawaii Dept. of Education and Hawaii High School
Athletics Association. After-school sports for middle school
youth in Nanakuli, Waianae, Kau, Kea‘au and Pahoa.
- . The nation’s first statewide student news
PBS Hawaii HIKI NO
■
network, with 80 participating schools.
From left: PBS Hawaii Executive Producer Learning Initiatives Robert Pennybacker,
PBS Hawaii President and CEO Leslie Wilcox, Maui Waena Intermediate students
- video about body
Kaycee Arase and Renee Matsuda, who created the HIKI NO
image, and Bank of Hawaii Maui Regional Manager Kevin Baptist.
12
F O C U S
A R E A S
Arts and Culture
Bank of Hawaii is committed to education and access to the arts,
especially for students attending Hawaii public schools who
come from low- to moderate-income households.
■
Bank of Hawaii Family Sundays at the Honolulu Museum
of Art, a free once-a-month program of art activities,
entertainment and film.
■
Hawaii Book & Music Festival, a free weekend celebration
of story and song that honors culture and promotes reading
among people of all ages.
■
Bank of Hawaii OHANA! Series at Hawaii Theatre Center,
an education program that makes great classics available to
public schools.
From left: Tia Lewis (daughter of employee Paula Lewis), and employees
Christine Tamura and Walter Villalba prepare the Bank of Hawaii Book
Swap, seeded with more than 4,000 books donated by employees.
Nearly 20,000 people attended Bank of Hawaii Family
Sundays at the Honolulu Museum of Art in 2012.
More than 35,000 people attended the 2012 Hawaii Book
& Music Festival presented by Bank of Hawaii. There were
244 individual presenters and 10 hula halau.
Nearly 15,000 students attended matinee productions of
the Bank of Hawaii OHANA! Series during the 2012-13
school year. This included nearly 6,000 students from
Title I public schools.
13
B A N K
O F
H A W A I I
E M P L O Y E E
Bank of Hawaii
Employee Volunteer Program
< Employees (from left)
Makana Rosales, Kehau Lee,
Priscilla Myrick, Terri Morgan
and Ashley Ordenstein
volunteered to help A-ina In
Schools, a farm-to-school
initiative that teaches kids to
grow food in school gardens.
We are very proud of the culture of giving back that exists at
Bank of Hawaii. Whether it’s cleaning up a beach or school garden,
renovating low-income housing units or painting a school, our
employees are always ready to lend a helping hand.
Our employees volunteer thousands of hours of their time each
year through company-sponsored events to help meet community
needs. We established the Employee Volunteer Program in 2006 to
connect employees with volunteer opportunities that are aligned
with their interests and abilities. A rotating steering committee,
comprised of employees from across the bank, receives requests
from nonprofit organizations for community service projects and
events, and meets regularly to discuss and determine participation.
V O L U N T E E R I S M
79
12,191
community service projects
or events in 2012.
volunteer hours
Community Service Day:
Xiaopei Fan and Vince Barfield take rollers
to one of Radford’s walls. >
< Nearly 200 volunteers from Bank of Hawaii and the NCO Academy Hawaii rolled up their
sleeves to spruce up Radford High School and Makalapa Elementary. Front row (from left):
Makalapa Elementary Vice Principal Regina Arakaki; Radford High
School Principal Elias Ali; Congresswomen Colleen Hanabusa
and Mazie Hirono; U.S. Senator Daniel K. Inouye; Bank of Hawaii
CEO Peter Ho; Rear Admiral Denny Wetherald, deputy chief
of staff for plans, policies and requirements, U.S. Pacific
Fleet; Captain Jeffrey James, commander Joint Base
Pearl Harbor-Hickam; and Colonel Dann Carlson,
commander of 647th Air Base Group and deputy
commander Joint Base Pearl Harbor-Hickam.
< U.S. Senator Daniel K. Inouye and Bank of
Hawaii CEO Peter Ho.
14
B A N K
O F
H A W A I I
E M P L O Y E E
V O L U N T E E R I S M
Bank of Hawaii Employee Giving Campaign
Employees and retirees raised a record
$
570,913
to support 24 nonprofits of their choice as part of the
Bank of Hawaii 2012 Employee Giving Campaign.
OF HAWAII
From left, Keane Santos, Paul Hoe, Janna Sye,
Tierney Morikawa, Sheryl Miura and Nina Horioka
sell T-shirts during the 2012 Bank of Hawaii
Employee Giving Campaign.
15
B A N K
Nearly 2,000 employees and family members united at the
Honolulu Zoo in a strong show of support for the Honolulu
Zoo Society, Ronald McDonald House Charities of Hawaii
and Variety School of Hawaii. This was our largest turnout
ever for a community service event.
Since the inception of the Bank of Hawaii Community Walk
in 2007 and the Bank of Hawaii Employee Giving Campaign
in 2010, employees and retirees have raised more than
$
2.4 million
f o r t h e c o m m u n i t y.
O F
H A W A I I
E M P L O Y E E
V O L U N T E E R I S M
Bank of Hawaii Community Walk
For the sixth annual Bank of Hawaii Community Walk in 2012,
employees raised a record $136,500. In addition, employees in Maui
County and on Kauai, Hawaii Island, Guam, Saipan and American
Samoa raised money to support the community.
Bank of Hawaii
is proud to partner
with nonprofit
organizations dedicated
to serving the public.
Bank of Hawaii, together
with employees, retirees
and Bank of Hawaii
Foundation, support
the work of community
partners by donating
time and expertise,
as well as making
financial and in-kind
contributions.
16
O U R
C O M M U N I T Y
P A R T N E R S
Arts & Culture
Aloha Festivals, State of Hawaii
Ballet Hawaii, Oahu
Bishop Museum, Oahu
Daughters of Hawaii, Oahu and Hawaii Island
Diamond Head Theatre, Oahu
Downtown Athletic Club Hawaii, Oahu
East-West Center Foundation, Oahu
Filipino Community Center, Inc., Oahu
Flaming Sword of Samoa Association, American Samoa
Friends of Iolani Palace, Oahu
Guam Museum Foundation Inc.
Hana Cultural Center, Maui
Hawaii Arts Center for Youth, Oahu
Hawaii Book & Music Festival, Oahu
Hawaii Children’s Theatre, Kauai
Hawaii Opera Theatre, Oahu
Hawaii State Junior Golf Association, State of Hawaii
Hawaii Theatre Center, Oahu
Hawaii Youth Symphony Association, Oahu
Historic Hawaii Foundation, Oahu
Honolulu Festival Foundation, Oahu
Honolulu Gay and Lesbian Cultural Foundation, Oahu
Honolulu Museum of Art, Oahu
Honolulu Theatre for Youth, State of Hawaii
Honolulu Zoological Society, Oahu
Hui No‘eau Visual Arts Center, Maui
Kauai Coconut Festival
Kauai Philippine Cultural Center
Kona Historical Society, Hawaii Island
Lahaina Restoration Foundation, Maui
Lanai Culture & Heritage Center, Maui
Ma-noa Heritage Center, Oahu
Ma-noa Valley Theatre, Oahu
Maui Academy of Performing Arts
Maui Arts and Cultural Center
Maui Historical Society
Nisei Veterans Center, Maui
Pacific Region Baseball, Inc., Oahu
Palau Sport Fishing Association
Wahiawa Community & Business Association, Oahu
World Invitational Hula Festival, Oahu
Basic Needs & Safety Net,
including Human Services
Aloha United Way, Oahu
American Red Cross - Guam Chapter
American Red Cross - Northern Marianas Islands
Chapter, Saipan
American Red Cross, Hawaii State Chapter
ARC of Hilo, Hawaii Island
Assistance Dogs of Hawaii, Maui
Blood Bank of Hawaii, Oahu
Carole Kai Charities, State of Hawaii
Cathedral of Saint Andrew, Oahu
Catholic Charities Hawaii, State of Hawaii
Catholic Charities of the Diocese of Agana
dba Catholic Social Services, Guam
Child & Family Service, State of Hawaii
Children’s Alliance of Hawaii, Oahu and Kauai
Consumer Credit Counseling Service of Hawaii,
State of Hawaii
Crime Stoppers Hilo, Hawaii Island
Crime Stoppers Honolulu, Inc., Oahu
Daniel Sayre Foundation, Hawaii Island
Domestic Violence Action Center, Oahu
Easter Seals Hawaii, State of Hawaii
EPIC ‘Ohana, Inc., State of Hawaii
Episcopal Church in Hawaii, Oahu
Family Programs Hawaii, Oahu
Family Support Services of West Hawaii, Hawaii Island
Feed My Sheep, Inc., Maui
Food Basket, Inc., Hawaii Island
Friendly Isle United Fund, Molokai
Full Life Hawaii, Hawaii Island
GIFT Foundation of Hawaii, Oahu
Goodwill Industries of Hawaii, Inc., Oahu
Guma’ Mami, Inc., Guam
Hale Kau Kau, Inc., Maui
Hawaii Foodbank, Inc., Oahu and Kauai
Hawaii Island Adult Care, Inc.
Hawaii Island Humane Society
Hawaii Island United Way, Inc.
Hawaii Law Enforcement Memorial Foundation, Oahu
Hawaii Meals on Wheels, Inc., Oahu
Hawaiian Humane Society, Oahu
Helping Hands Hawaii, Oahu
Honolulu Community Action Program, Oahu
Honolulu Firefighters Foundation, Oahu
Hope House, American Samoa
Hospice Hawai‘i, Oahu and Molokai
Hospice Maui, Inc.
Hospice of Hilo, Inc., Hawaii Island
HUGS (Help, Understanding and Group Support), Oahu
Institute for Human Services, Oahu
J. Walter Cameron Center, Maui
Joyful Hearts Foundation, State of Hawaii
Kamalen Karidat, Guam
Karidat Social Services, Saipan
Kauai Hospice
Kauai United Way
Kokua Christian Ministries, Hawaii Island
March of Dimes Foundation, Oahu and Kauai
Maui Economic Opportunity, Inc.
Maui Family Support Service, Inc.
Maui Family YMCA
Maui Farm, Inc.
Maui United Way
Maui Youth and Family Services, Inc.
Mediation Center of the Pacific, Inc., State of Hawaii
Micronesian Youth Services Network (MYSN),
Guam and Saipan
Moiliili Community Center, Oahu
Molokai Community Service Council Inc.
O Ka‘u Kakou, Hawaii Island
Pacific American Foundation, Oahu
Palolo Chinese Home, Oahu
Parents & Children Together (PACT), State of Hawaii
People Attentive to Children in Hawaii (PATCH), Oahu
Prevent Child Abuse Hawaii, State of Hawaii
Project Dana, State of Hawaii
Rainbows For All Children, Guam
Ronald McDonald House Charities of Hawaii, Inc., Oahu
Salvation Army, Lihue and Hanapepe Corps, Kauai
Salvation Army, Saipan
Salvation Army Hawaiian & Pacific Islands Division
Sanctuary Incorporated, Guam
Shane Victorino Foundation, State of Hawaii
Smile Train, Inc., Oahu
Special Education Center of Hawaii (SECOH), Oahu
Special Olympics Hawaii, Inc., State of Hawaii
Sugar Plum Tree, Guam
Tanioka’s Charity Foundation, Oahu
Waikiki Community Center, Inc., Oahu
Waipahu Community Coalition, Oahu
WEBCO Foundation, Oahu
Women’s Community Action Program, American Samoa
Young Men’s Christian Association (YMCA) of Honolulu
(Kaimuki-Waialae Branch, Kalihi Branch, Metropolitan
Office, Nuuanu Branch, Windward Branch), Oahu
Young Women’s Christian Association (YWCA), Oahu
and Hawaii Island
Economic Development,
Professional and Trade Organizations
American Banking Association
American Judicature Society Hawaii Chapter, Oahu
American Marketing Association, Oahu
American Samoa Small Business Development Center
American Samoa Visitors Bureau
Association of Military Banks of America
Better Business Bureau of Hawaii, Inc., State of Hawaii
Big Island Resource & Conservation Development, Inc.,
Hawaii Island
Business & Professional Women of Pago Pago
American Samoa
Certified Commercial Investment Member (CCIM), Oahu
Chambers of Commerce
American Samoa Chamber of Commerce
Chamber of Commerce of Hawaii, State of Hawaii
Chinese Chamber of Commerce Foundation, Oahu
Chinese Chamber of Commerce Guam
Filipino Chamber of Commerce of Hawaii, State of Hawaii
Guam Chamber of Commerce
Guam Young Professionals
Hawaii Chamber of Commerce of Northern California
Hawaii Island Chamber of Commerce
Honolulu Chinese Junior Chamber of Commerce
Foundation, Oahu
Honolulu Japanese Chamber of Commerce, Oahu
Honolulu Japanese Junior Chamber of Commerce, Oahu
Japanese Chamber of Commerce & Industry of Hawaii,
Hawaii Island
Kauai Chamber of Commerce
Kauai Filipino Chamber of Commerce
Maui Filipino Chamber of Commerce
Kona-Kohala Chamber of Commerce, Hawaii Island
Maui Chamber of Commerce
Maui Native Hawaiian Chamber of Commerce
Native Hawaiian Chamber of Commerce, Oahu
Palau Chamber of Commerce
Portuguese Chamber of Commerce, Hawaii Island
Saipan Chamber of Commerce
Vietnamese-American Chamber of Commerce of Hawaii,
Oahu
Chartered Financial Analyst (CFA) Hawaii Society, Oahu
Chinese Civic Association of Hawaii, Hawaii Island
Community Economic Development Strategy (CEDS),
American Samoa
Contingency Planners of the Pacific, Oahu
Council for Native Hawaiian Advancement, State of Hawaii
Crescent City Lions Club, Hawaii Island
Economic Development Alliance of Hawaii, Hawaii Island
Entrepreneurs Foundation of Hawaii, Oahu
Family Business Center of Hawaii, Maui Chapter
Guam Association of Realtors
Guam Automobile Dealers Association
Guam Bankers Association
Guam Chinese Association
Guam Contractors Association
Guam Hotel & Restaurant Association
Guam Shriners
Guam Visitor Industry Association
Guam Women’s Club
Hawaii Association of Financial Institution Security Officers,
Oahu
Hawaii Automobile Dealers Association, State of Hawaii
Hawaii Bankers Association, Oahu
Hawaii Business Roundtable, Oahu
Hawaii Captive Insurance Council, Oahu
Hawaii Community Foundation, State of Hawaii
Hawaii Developers’ Council, Oahu
Hawaii Employers Council, Oahu
Hawaii FIRST for Continuity, Oahu
Hawaii Hotel Industry Foundation, Oahu
Hawaii Institute for Public Affairs (HIPA), State of Hawaii
Hawaii Island Board of Realtors, Hawaii Island
Hawaii Island Contractors Association, Hawaii Island
Hawaii Island Economic Development Board, Inc., Hawaii Island
Hawaii Lions Foundation, Oahu and Hawaii Island
Hawaii Lodging & Tourism Association, Oahu, Hawaii Island
and Kauai
Hawaii Pediatric Association Research & Education
Committee, Oahu
Hawaii Society of Business Professionals, Oahu
Hawaii State Bar Association, State of Hawaii
Hawaii Tax Institute, State of Hawaii
Hawaii Union Builders Foundation, Oahu
Hawaii Visitors Bureau, State of Hawaii
Hawaii Women’s Legal Foundation, Oahu
Hilo Jaycees, Hawaii Island
Honolulu Executives Association, Oahu
Hotel Association Northern Mariana Islands (HANMI), Saipan
Institute of Internal Auditors, Oahu
International Association of Business Communicators, Oahu
Japan Club of Guam
Japan-America Society of Hawaii, Oahu
Japanese Community Association of Hawaii, Hawaii Island
Junior League of Honolulu, Oahu
Kakaako Improvement Association, Oahu
Kaneohe Business Group, Oahu
Kanoelehua Industrial Area Association, Hawaii Island
Kauai Board of Realtors
Kauai County Farm Bureau
Kauai Economic Development Board
Kiwanis Club, Oahu and Maui
Kona Japanese Civic Association, Hawaii Island
Kona Lions Club, Hawaii Island
Korean Association of Guam
Kula AG Park Commission, Maui
Lahaina Rotary Club, Maui
Leadership Kauai
Lei Ho‘olaha, CDFI, Hawaii Island
Lokahi Pacific, Maui
Marianas Tourism Education Council, Saipan
Marianas Visitors Authority, Saipan
Maui Commercial Roundtable
Maui Economic Development Board
Maui Hotel & Lodging Association
Maui Visitors Bureau
Mortgage Bankers Association of Hawaii, Oahu
National Association of Industrial and Office Properties
(NAIOP) Hawaii, Oahu
North Kohala Merchants Association, Hawaii Island
Pacific and Asian Affairs Council (PAAC), State of Hawaii
Pacific Association of Real Estate Appraisers, Oahu and Guam
Palau Bankers Association
Retail Merchants of Hawaii, State of Hawaii
Rotary Clubs
Rotary Club Guam
Rotary Club Guam Sunrise
Rotary Club Hilo Bay, Hawaii Island
Rotary Club Honolulu, Oahu
Rotary Club Kahului, Maui
Rotary Club Kapa’a, Kauai
Rotary Club Kona, Hawaii Island
Rotary Club Pago Pago, American Samoa
Rotary Club Palau
Rotary Club Tumon Bay, Guam
Rotary Club Windward Sunrise, Oahu
Sales & Marketing Executives International, Oahu
Society of Professional Journalists, Hawaii Chapter, Oahu
Sons and Daughters of AJA Veterans, Hawaii Island
Soroptimist International, Oahu
Soroptimist International of the Marianas (SIM), Guam
Tax Foundation of Hawaii, Oahu
Tourism Education Council (TEC), Guam
United Chinese of Hawaii, Oahu
Waikiki Improvement Association, Oahu
West Kauai Business & Professional Association
Education
Academy of the Pacific, Oahu
After-School All-Stars Hawaii, Oahu
Agana Heights Elementary, Guam
Agueda Johnston Middle School, Guam
American Samoa Community College
Assets School, Oahu
Astumbo Middle School, Guam
Benavente Middle School, Guam
Big Brothers Big Sisters of Guam
Big Brothers Big Sisters of Honolulu, Oahu
Big Brothers Big Sisters of Kauai
Big Brothers Big Sisters of Maui
Boy Scouts of America, Aloha Council, Oahu, Saipan and
American Samoa
Boy Scouts of America, Guam
Boy Scouts of America, Kauai Chapter
Boy Scouts of America, Maui County Council
Boys & Girls Club of Big Island, Hawaii Island
Boys & Girls Club of Hawaii, Oahu and Kauai
Boys & Girls Club of American Samoa
Brigham Young University Hawaii, Oahu
Carden Academy, Maui
Central Union Church Preschool & Kindergarten, Oahu
Chaminade University of Honolulu, Oahu
Christian Academy, Oahu
D.L. Perez Elementary School, Guam
Friends of the Library of Hawaii, Oahu
Friends of Maui Waena, Maui
Garapan Elementary School, Saipan
Girl Scouts of Hawaii, Oahu and Hawaii Island
Global Technology High School, Maui
Good Beginnings Alliance, Oahu
Guam Community College
Guam Contractors Association Trades Academy, Inc.
Guam Girl Scouts
Hanahau‘oli School, Oahu
Hawaii Academy of Science, State of Hawaii
Hawaii Council for Humanities, Oahu
Hawaii Island Growing Our Own Teachers
Hawaii Jump$tart Coalition for Personal Financial Literacy, Oahu
Hawaii Literacy, Inc., Oahu
Hawaii P-20 Partnership for Education, State of Hawaii
Hawaii Pacific University, Oahu
Hawaii Preparatory Academy, Hawaii Island
Hawaii Public Radio, Oahu
Hawaiian Mission Children’s Society, Oahu
Hiipaka LLC, Oahu
Inarajan Elementary School, Guam
‘Iolani School, Oahu
Island Pacific Academy, Oahu
Island School, Kauai
JP Torres Alternative School, Guam
Jose L.G. Rios Middle School, Guam
Junior Achievement of Guam
Junior Achievement of Hawaii, Oahu, Hawaii Island and Maui
Kagman High School, Saipan
Kama‘aina Kids, Oahu
Kanu o ka ‘A-ina Learning ‘Ohana (KALO), Hawaii Island
Kauai Christian Academy
KCAA Preschools, Oahu
Ke Alii Pauahi Foundation, Oahu
Kihei Youth Center, Maui
Kokua Hawaii Foundation, Oahu
Kualoa-Heeia Ecumencial Youth Project, Oahu
La Pietra Hawaii School for Girls, Oahu
Lahainaluna High School Foundation, Maui
Le Jardin Academy Inc., Oahu
Ma-lama Manoa, Oahu
Marianas High School, Saipan
Maryknoll School, Oahu
Maui High School
Maui Preparatory Academy
Mid-Pacific Institute, Oahu
North Kohala Community Resource Center, Hawaii Island
Oahu Interscholastic Association Athletic Foundation
Ohana Komputers, Oahu
Okkodo High School, Guam
Oleai Elementary, Saipan
‘O-lelo Community Media, Oahu
Pacific Buddhist Academy, Oahu
Pacific Horizons School, American Samoa
Pacific Island Center for Educational Development,
American Samoa
Pacific Links Hawaii, Oahu
Palau Community College
Palau High School
PBS Hawaii, State of Hawaii
Captain Henry B. Price Elementary School, Guam
Public Schools of Hawaii Foundation, Oahu
Punahou School, Oahu
Sacred Hearts Academy, Oahu
Saint Louis School, Oahu
Samoa Bowl, American Samoa
Samoan High School, American Samoa
San Vicente School, Saipan
South Pacific Academy, American Samoa
South Pacific International Christian Center, American Samoa
St. Andrew’s Priory School, Oahu
St. Clement’s School, Oahu
State of Hawaii, Dept. of Education
Public and Charter Schools
Aiea Elementary School, Oahu
Aiea High School, Oahu
Aiea Intermediate School, Oahu
Aikahi Elementary School, Oahu
Ala Wai Elementary School, Oahu
Alvah A. Scott Elementary School, Oahu
Arthur W. Radford High School, Oahu
Blanche Pope Elementary School, Oahu
Central Intermediate School, Oahu
Chiefess Kapi‘olani Elementary School, Hawaii Island
Hale Kula Elementary School, Oahu
Hilo Elementary School, Hawaii Island
Hilo High School, Hawaii Island
Hilo Union Elementary School, Hawaii Island
Honoka‘a High & Intermediate School, Hawaii Island
Honowai Elementary School, Oahu
James Campbell High School, Oahu
Jarret Intermediate School, Oahu
Ka‘ala Elementary School, Oahu
Kahuku High & Intermediate School, Oahu
Kahului Elementary School, Maui
Kailua High School, Oahu
Kalakaua Middle School, Oahu
Kalihi Elementary School, Oahu
Kalihi Uka Elementary School, Oahu
Kalihi Waena Elementary School, Oahu
Kamaile Academy, Oahu
Kamehameha III Elementary School, Maui
Kapa‘a High School, Kauai
Ka‘u High School, Hawaii Island
Ka Waihona a ka Na‘auao, Oahu
Kea‘au High School, Hawaii Island
Kea‘au Intermediate School, Hawaii Island
Kealakehe High School, Hawaii Island
Keonepoko Elementary School, Hawaii Island
Kihei Elementary School, Maui
Kohala High & Intermediate School, Hawaii Island
Konawaena High School, Hawaii Island
Kua O Ka La Charter School, Hawaii Island
La‘ie Elementary School, Oahu
Lanai Elementary School
Lihikai Elementary School, Maui
Lahainaluna High School, Maui
Laupa-hoehoe High & Elementary School, Hawaii Island
Makalapa Elementary School, Oahu
Maui High School
Maunawili Elementary School, Oahu
Molokai High School
Nanakuli High & Intermediate School, Oahu
Pahala High School, Hawaii Island
Pahoa High & Intermediate School, Hawaii Island
Palolo Elementary School, Oahu
Pearl City Elementary School, Oahu
Pomaikai Elementary School, Maui
Prince David Kawananakoa Middle School, Oahu
Prince Jonah Kuhio Elementary School, Oahu
Princess Victoria Kai‘ulani Elementary School, Oahu
Puuhale Elementary School, Oahu
Queen Ka‘ahumanu Elementary School, Oahu
Royal Elementary School, Oahu
Sunset Beach Elementary School, Oahu
Thomas Jefferson Elementary School, Oahu
Waiakea High School, Hawaii Island
Waialae Elementary Charter School, Hawaii Island
Waialua High & Intermediate School, Oahu
Wai‘anae High School, Oahu
Waikiki Elementary School, Oahu
Waimea High School, Hawaii Island
Waipahu High School, Oahu
Wallace Rider Farrington High School, Oahu
William McKinley High School, Oahu
Teach for America – Hawaii, Oahu
Temple Emanu-El, Oahu
University of Guam
University of Guam Endowment Foundation
University of Hawaii System
University of Hawaii at Hilo, Hawaii Island
University of Hawaii at Manoa, Oahu
University of Hawaii Maui College
University of Hawaii West Oahu
University of Hawaii - Hawaii Community College,
Hawaii Island
University of Hawaii - Honolulu Community College, Oahu
University of Hawaii - Kapiolani Community College, Oahu
University of Hawaii - Kauai Community College
University of Hawaii - Leeward Community College, Oahu
University of Hawaii - Windward Community College, Oahu
University of Hawaii ‘Ahahui Koa A-nuenue, Oahu
University of Hawaii Alumni Association, Oahu
University of Hawaii at Hilo Alumni Association, Hawaii Island
University of Hawaii Foundation, Oahu
University of Hawaii Na Koa Football Club, Oahu
Variety School of Hawaii, Oahu
Waikiki Yacht Club Education Foundation, Oahu
West Kauai Lions Club
Wettengel Elementary School, Guam
Environment/Conservation/Sustainability
Hawaii Nature Center, Oahu
Kohala Center, Inc., Hawaii Island
Lyon Arboretum Association, Oahu
Ma-lama Maunalua, Oahu
Nature Conservancy of Hawaii, State of Hawaii
Government Boards & Commissions
County of Hawaii Water Board, Hawaii Island
Employees’ Retirement System of the State of Hawaii (ERS)
Guam Banking & Insurance Board
Small Business Administration Advisory Board, State of Hawaii
State Small Business Credit Initiative (SSBCI), American Samoa
Health
A Keiki’s Dream, Maui
Alzheimer’s Association Inc., Aloha Chapter, State of Hawaii
American Cancer Society Guam
American Cancer Society Hawaii Pacific, Inc., State of Hawaii
American Diabetes Association, State of Hawaii
American Heart Association, Inc., Oahu and Hawaii Island
Bay Clinic, Inc., Hawaii Island
Guam Memorial Hospital Volunteers Association
Hale Makua, Maui
Hana Health, Maui
Hawaii Health Information Corporation, State of Hawaii
Hawaii Island Aids Foundation
Hawaii Meth Project, Inc., State of Hawaii
Hawaii Pacific Health, Kapiolani Medical Center for Women
& Children, Straub Medical Center, Wilcox Health,
Wilcox Hospital Foundation, State of Hawaii
Juvenile Diabetes Research Foundation, Oahu
Ka‘u Hospital, Hawaii Island
Kuakini Health System, Kuakini Medical Center, Kuakini
Foundation, Oahu
Lanai Community Health Center
Make-A-Wish Hawaii, Oahu
Maui Memorial Medical Center, Maui Memorial Medical
Center Foundation
Mental Health Association in Hawaii, Oahu
Pacific Cancer Foundation, Maui
Queen’s Health Systems, Queen’s Medical Center, Oahu
St. Francis Community Health Services, Oahu
St. Francis Healthcare Foundation of Hawaii, Oahu
Susan G. Komen Hawaii, State of Hawaii
UCERA (University of Hawaii Clinical, Education & Research
Associates), Oahu
United Cerebral Palsy Association, State of Hawaii
University of Hawaii Cancer Center, Oahu
University of Hawaii John A. Burns School of Medicine, Oahu
West Hawaii Community Health Center, Hawaii Island
Housing
Catholic Diocese of Honolulu / Office of Social Ministries,
State of Hawaii
Family Promise of Hawaii, Oahu
Habitat for Humanity of Guam
Habitat for Humanity International, Oahu
Habitat for Humanity Maui
Habitat for Humanity West Hawaii, Inc., Hawaii Island
Hale Aloha O Hilo Habitat for Humanity, Hawaii Island
Hale Kipa, Inc., Oahu
Hale Mahaolu, Inc., Maui
Hawaii Community Reinvestment Corporation, Oahu
Hawaii HomeOwnership Center, Oahu
Honolulu Habitat for Humanity, Oahu
Housing Hawaii, Oahu
Housing Solutions, Inc., Oahu
Pacific Housing Assistance Corporation, State of Hawaii
Self-Help Housing Corporation of Hawaii, State of Hawaii
Urban Land Institute (ULI) Hawaii, State of Hawaii
Military
Andersen Air Force Base Civilian Advisory Council, Guam
Center for American Values, Oahu
Coast Guard Foundation, State of Hawaii
Fleet and Family Services, Oahu
Military Affairs Council, Oahu
Navy League of the United States, Oahu
Navy League of the United States - Guam Council
Navy Seal Foundation, Oahu
Pacific Aviation Museum Pearl Harbor, Oahu
U.S.S. Missouri Memorial Association, Oahu
USO (United Services Organizations), State of Hawaii and
Guam
USO (United Services Organizations) Advisory Council, Guam
Bank of Hawaii became the first chartered and
incorporated bank to do business in the Republic of
Hawaii in 1897, less than one year before Hawaii became a
U.S. Territory. The bank operated its first office in a twostory wooden building in downtown Honolulu and, in
1903, expanded to its first branch in Lihue, Kauai.
Today, Bank of Hawaii is the largest independent financial
institution in Hawaii, serving businesses, consumers and
governments in Hawaii, Guam, Saipan and American
Samoa. We offer the convenience of mobile and online
banking along with the most extensive branch and ATM
network of any bank in Hawaii.