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P LBank of Hawaii - Hawaiian Airlines Bank of Hawaii World Elite Mastercard Airlines Bank ^ \ Z of Hawaii World Elite Mastercard. Call the customer service. What are scientists learning from monitoring Hawaii's active volcanoes? of Documents Government Printing Office Washington, DC Credit Card No. Consider banks: In and , Hawaii's two largest financial “And the balance sheet difference is that our loan portfolio is $9.

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First Hawaiian Bank and Bank of Hawaii share more differences than similarities

Profitability is the bottom line, but it’s not the end of the story.

Consider banks: In and , Hawaii’s two largest financial institutions,First Hawaiian BankandBank of Hawaii, were also the state’s most profitable companies. Last year, they ranked first and third; First Hawaiian’s net income came to $ million and Bank of Hawaii’s profits totaled $ million.

That’s not surprising. After all, both are highly regarded in the banking industry. Forbes magazine has named Bank of Hawaii one of the best-managed banks in the country for each of the last seven years. Neither bank was hurt badly by the sub-prime mortgage debacle that laid waste to the balance sheets of so many mainland banks. Instead, both have remained steadily profitable and financially stable. And, while their ownership structure is different – Bank of Hawaii is an independent, publicly traded corporation, while First Hawaiian is a wholly owned subsidiary of Paris-based BNP-Paribas – operationally, they’re both committed to community banking. The average consumer would be forgiven for thinking the two banks, facing each other across Bishop Street, were mirror images of one another.

Yet, a closer look at the banks’ numbers suggests that they’re more different than they appear. Run a finger down the columns in their financial statements and it becomes clear that, despite superficial similarities, First Hawaiian and Bank of Hawaii make their profits in very different ways, focus on different assets and fund their operations with different liabilities. Parsing these differences is a good way to understand not only these two banks, but also how companies think about profitability in general.

By The Numbers

The best place to start is with their income statements. For banks, income comes from three broad categories. First, there’s the income they make lending money to customers. This is what most people think of as “banking,” and it’s straightforward: The bank takes deposits “borrowed” at 0 percent, or nearly 0 percent these days, and lends that money as, for example, residential mortgages at percent interest or business lines of credit at 8 percent. The interest rate margin – the difference between what the bank pays for the deposit and what it charges for the loan – represents the return for the bank, minus taxes and expenses.

Banks also make money by investing, generally in safe, but not terribly profitable, securities like U.S. Treasuries or federal agency bonds and municipal bonds. Together, the lending and investing streams of income are called “interest income.” Banks also have a third kind of revenue called, not surprisingly, “noninterest income,” which includes fees and commissions they earn for services like trust management or financial advising. As interest rates fall, along with interest rate margins, this noninterest income becomes more important.

A glance at the income statements of First Hawaiian and Bank of Hawaii reveals their different focuses. In , First Hawaiian made about 12 percent of its interest income from investments, which is fairly typical of community banks of its size. At Bank of Hawaii, investment interest income was almost 39 percent. That’s more typical of a large, national bank than a community bank. To put it in perspective, Bank of America, the second largest bank in the country, made 27 percent of its interest income from investments.

That’s not to say Bank of Hawaii takes more risks. “It’s not an excessively aggressive portfolio,” says Jeff Rulis, senior research analyst with D. A. Davidson, a Montana-based financial consulting firm. “They keep the portfolio relatively short, in terms of duration. So, while the size of the portfolio may be larger, the inherent risk is pretty moderate.” It is, though, quite different from First Hawaiian.

Let’s take a closer look at that income statement: In , Bank of Hawaii earned $ million on mortgage-backed securities (not the risky kind that almost sank the financial markets in , but securities that are backed by the goverment through agencies like Ginnie Mae and Fannie Mae), plus an additional $ million from other investment types, like municipal bonds, U.S. Treasuries and agency securities. In contrast, First Hawaiian, though the larger of the two banks, earned only about $55 million from mortgage-backed securities and less than $7 million in other investment income.

On the loan side, though, the roles of the banks are flipped. First Hawaiian earned $ million on its loans and leases, nearly twice Bank of Hawaii’s $ million. Yet, the gross earnings for the two banks are similar: $ million for First Hawaiian and $ million for Bank of Hawaii. So, why would the income streams of two banks with such similar reputations be so different? In order to understand that, we have to look elsewhere in the financial statements.

The Balance Sheet

“The income statement is just a reflection of activity on the balance sheet,” says Bob Harrison, CEO of First Hawaiian. “And the balance sheet difference is that our loan portfolio is $9 billion while our investment portfolio is less than half that.” That ratio is remarkably different from Bank of Hawaii, which has a $ billion loan portfolio that’s actually smaller than its $ billion investment portfolio. Remarkably, though, both banks say they prefer loans to securities.

According to Harrison, there are a couple reasons for this. “The way we look at it,” he says, “we’re taking deposits to reinvest in the community. And the community benefits when we lend people money, whether it’s a consumer loan, a car loan, a home-equity line or a business loan to construct a new building or expand their working capital, etc. We really see the benefit of taking one person’s deposit and putting that back out into the community as a loan to someone else. It really multiplies in the community.”

The problem, he says, is that the bank simply can’t find enough loan opportunities that it feels comfortable making. At the same time, people and businesses have been hoarding cash, especially in the wake of the Great Recession. As a result, the bank’s core deposits have grown by 53 percent over the last four years. First Hawaiian, in effect, is sitting on $ billion in excess cash.

“That extra money,” Harrison says, “we put in our investment portfolio. It’s very high quality. We take very, very little risk. In fact, the vast majority of our investments are in Treasuries, government agencies, etc., etc., because that’s not an area where we’re willing to take risk. That’s just where we put our extra money. Where we’re really ready to sit down with someone and understand the risk is in our loan portfolio. And the difference, the reason we prefer loans, is that, although it’s more work, the yield is higher on the loan portfolio.”

Bank of Hawaii CEO Peter Ho says much the same thing, notwithstanding the very different asset portfolios of the two banks. He points out that, over the last three years, the Bank of Hawaii’s deposits have grown 14 percent. “That’s a big number, even on an annualized basis,” he says. “On the other hand, loan growth has tracked closer to the state GDP, so we’re probably going to end up having about a 3 percent per annum growth on loans versus a 4 percent or 5 percent per annum deposit growth, and that effectively creates the need to invest.”

Like Harrison, Ho also notes that the securities investments are not the bank’s first choice. “If we had our druthers, frankly, we’d lend it all,” he says. “The reason why is because there’s a higher yield associated with lending money as opposed to investing money.”

However, despite the banks’ very similar sounding philosophies, their balance sheets are almost entirely different. Consider their investment portfolios:

  • Bank of Hawaii owns $ million in municipal bonds; First Hawaiian has zero.
  • First Hawaiian holds $ billion in U.S. Treasuries and agency securities; Bank of Hawaii has $ billion.
  • Nearly $ billion, 27 percent of Bank of Hawaii’s total investment portfolio, is in “held-to-maturity securities”; First Hawaiian, once again, has zero.

In total, First Hawaiian, the larger of the two banks, holds $ billion in investment assets compared to Bank of Hawaii’s $ billion. (How’s that for “excess liquidity”?) The percentages are even more striking: only 38 percent of First Hawaiian’s total earning assets are in investment securities vs. 55 percent for Bank of Hawaii. How do we account for this difference?

The Loan Portfolio

The answer is also on their balance sheets. Let’s look at the loan portfolios: Both have a similar amount in real estate loans, but very different amounts in other loan types. First Hawaiian has more than $ million in individual loans on the books, more than twice as much as Bank of Hawaii. The difference in commercial loans is even more dramatic. First Hawaiian holds commercial loans (including lines of credit and commercial real estate loans) totaling $ billion compared to $ million at Bank of Hawaii. And First Hawaiian’s $ billion total loan and lease portfolio is more than $3 billion larger than its competitor’s. That $3 billion difference in loans that First Hawaiian was able to make largely explains why Bank of Hawaii had so much more excess cash that it had to invest in securities. That, despite the fact that First Hawaiian parked another $ billion of its excess liquidity in the Federal Reserve System, where it earned almost no interest at all.

According to Ho, the decision of where to put your excess capital is tied to that question of liquidity. “The Fed is considered the most liquid of marketplaces,” he says. “On the other hand, more than half of our balance sheet is in U.S. Treasuries. So, that’s the same thing as liquidity. If I needed to sell bonds tomorrow, I hope to hell I could find a buyer for a U.S. Treasury or we’re all in big trouble. That’s the way we look at liquidity: If tomorrow morning, half of our depositors came in and said, ‘We want our cash right now’ – obviously that’s not really going to happen, but if it did – would we have the liquidity to support that? And the answer is yes. We could take the securities and sell them, $7 billion or whatever it is, and say, ‘Fine, here’s your money.’

“A loan is a little different. With a loan, I can’t call up a customer and say, ‘I know I made that loan to you and said you didn’t have to pay me back for 30 years, but I’ve got a customer at my window and he wants to be paid and I don’t have the money.’ ”

The Growth Question

Although the balance sheet makes it easy to see how the two banks ended up weighted toward different asset classes, explaining why is somewhat harder. Let’s take a closer look at First Hawaiian’s $ billion commercial loan portfolio. Not only is this four times the size of Bank of Hawaii’s portfolio, but it grew 31 percent in while Bank of Hawaii’s actually shrank 3 percent. And, if you look at the other banks in the state, Bank of Hawaii’s situation is the more typical of the two.
According to Ho, this simply reflects the slow growth in the state GDP. “Shouldn’t loan growth be pretty much correlated almost exclusively to growth in the marketplace?” he asks. “Assuming you’re just doing what the economy is giving you, that people are borrowing for what the economy allows them to do, and business activity reflects the economic environment, our sense has always been that our lending activity should always loosely track whatever is happening in the economy. When it doesn’t, that’s when you start to potentially see bubbles being created.”

“The other thing to bear in mind when you look at bank balance sheets,” he says, “is where are the assets coming from? We know where our investment assets are coming from. They’re coming from the U.S. Treasury, for the most part, or from municipalities, including Hawaii. But where are the loan assets coming from? That’s a separate question. For us, the vast, vast, vast majority of our loan assets are sourced right here in the Islands and in Guam – we have a large Guam operation – and the source of repayment, the people and businesses underwriting those loans, are also right here in the Islands.”

He suggests that might not be the case with First Hawaiian. By way of explanation, he returns to the notion of the state’s GDP.
“Let me ask you,” he says, “do you think there’s something different in the way they approach their loan portfolio if the economy is growing at 3 percent and their loans grew at 31 percent? Where could those loans be coming from?”

One possibility is that First Hawaiian is poaching business from other banks in Hawaii. In fact, Harrison points out that, during the financial crisis in , when other banks started to pull back on their lending, First Hawaiian’s loan portfolio experienced the most dramatic growth in the bank’s history. He attributes this growth to the bank’s consistent lending standards: “We don’t lower our standards when the economy is good, and we don’t raise them when the economy is bad.”

But Ho notes that this doesn’t account for the growth of First Hawaiian’s loan portfolio in “Over the period of their 31 percent growth, I think the loans outstanding were pretty much stable to flat for the other banks in Hawaii. So, it’s not coming out of this market. So, where is it coming from? Is it coming from France? Is it coming from California? It’s just hard to believe it’s coming from here.”

Harrison acknowledges that First Hawaiian does, indeed, have clients on the mainland. “Do we do anything in France or in Europe? No. Do we have some stuff on the mainland? The answer is yes. We do some loans for customers that are here and have operations on the mainland and for some of the big national chains that have business here in Hawaii. But if you look at the growth in our commercial loan portfolio over the last several years, the vast majority of that was right here in Hawaii.” Even in , he says, most of that 31 percent growth was local business.

But if First Hawaiian seems to be more successful in its lending operations, Bank of Hawaii does much better on the investment side of the house. That’s not surprising, given their different asset bases. Where First Hawaiian earned a measly percent return on its investments, Bank of Hawaii made percent, a tidy return for the banking industry. Bank of Hawaii also outperformed First Hawaiian in the noninterest income category, $ million to $ million, even though it’s the smaller bank. This likely reflects Bank of Hawaii’s large trust management business.

Deposits

It’s interesting to note that the differences between First Hawaiian and Bank of Hawaii aren’t all on the asset side of their balance sheets. There are also dramatic differences on the liability side, especially in their deposit portfolios.

For example, Bank of Hawaii has more than $1 billion in demand deposits – essentially, the money deposited in customer checking accounts. To the layperson, it might seem odd to call a deposit a liability. After all, this is money the bank can use to make loans or invest. But it’s also money the bank owes back to its depositors. In fact, the term “demand deposit” refers to the fact that depositors can ask to have their money back at any time.

Even so, demand deposits, savings deposits and money markets, known collectively as “core deposits,” are the most attractive balance type for banks. In part, that’s because time deposits, like CDs, tend to increase interest risk for the bank: The bank is locked into paying a specific interest rate for a year or more, regardless of whether ­market rates go up or down. Peter Ho points out, “Basically, banks that have more core deposits than time deposits are considered to have a better deposit profile. That’s why we focus on demand and savings deposits. And, because we haven’t seen tremendous growth in demand on the lending side, we haven’t really had to try to raise time deposits.”

First Hawaiian, in contrast, has less than half the demand deposits of Bank of Hawaii. And although its total core deposits are more than Bank of Hawaii’s – FHB has nearly $1 billion more in money market deposits – a larger percentage of its assets are in time deposits.

Ratios

Maybe the most startling items in a bank’s financial statement are its earning ratios. Analysts pay special attention to a couple of these: return on assets (ROA) and return on equity (ROE). It’s worth noting that First Hawaiian and Bank of Hawaii both perform well above their peer group in these categories. When you compare the two local banks, First Hawaiian has a slightly larger ROA ( percent vs. percent,) while Bank of Hawaii has a better ROE (a remarkable 17 percent, vs. percent.)

But what do those numbers mean? ROA is fairly straightforward. It tells investors how efficiently a company exploits its assets. In First Hawaiian’s case, the company was able to earn an annual return of percent on the assets it had at hand in Those might seem like tiny returns, but they put the bank in the top quartile among its national peers.

Here, it’s worth pausing for a moment to consider the business model of banking. If you had $16 billion dollars to invest, would you be happy with a return of just percent (or percent, in the case of Bank of Hawaii, still above average for the industry)? Historically, the stock market has yielded annual returns more like 7 percent. Why would anyone want to be in the banking business if a good year earns less than 2 percent? Here’s the one-word answer: leverage.

After all, only a small percentage of the money a bank lends out or invests belongs to the shareholders. Most of it comes from the deposits of its customers. When you put your paycheck into your checking account (at zero percent interest) the bank may turn around and lend that as a mortgage at percent interest or as a line of credit at 8 percent. In practice, of course, some percentage of that loan comes from shareholder equity and some percentage comes from deposits. At Bank of Hawaii, the shareholder equity amounts to only percent of its assets. First Hawaiian, which has more equity than all the other banks in Hawaii combined, still only owns percent of its assets. That means every dollar that First Hawaiian invests of its own is leveraged with more than five dollars of deposits. Consequently, First Hawaiian’s ROE is a healthy percent. And Bank of Hawaii, because it has far less equity – that is, a much higher percentage of the money it lends out or invests comes from depositors rather than shareholders – has a whopping 17 percent ROE, among the best in the nation.

Jeff Rulis, an analyst who covers Bank of Hawaii, puts it this way: “If you’re generating over a 1 percent ROA, or more than a 5 percent ROE, that’s pretty good. And if you’re generating a double-digit ROE, which Bank of Hawaii has for years and years, that’s very rare.” So we don’t want to read too much into these numbers.

It could be that the different levels of equity just reflect the differences in ownership. Bank of Hawaii, as an independent, publicly traded corporation, is more sensitive to the concerns of investors. And investors pay particular attention to a company’s ROE.

After all, ROE represents the money available to be returned to the shareholders, either as dividends or by growing the company and increasing the value of its stock. In theory, a lower ratio of equity to total assets means a higher return for investors. Of course, a bank still needs to maintain enough equity, cash reserves, etc. to cover depositor withdrawals and to weather economic downturns. One need only look to the banking crisis of to see what happens when financial institutions leverage their assets too far. But for a healthy, well-managed institution like Bank of Hawaii, deciding upon the correct level of equity capital – how much of the profits to keep as retained earnings to grow the company, and how much to return to investors as dividends – is a strategic decision.

On the other hand, First Hawaiian, as a wholly owned subsidiary of BNP, doesn’t have to placate thousands of shareholders, just one. As the single shareholder, BNP is entitled to the entire ROA. In fact, in , First Hawaiian returned all its profits, and then some, as dividends to its single owner. Bank of Hawaii wasn’t far behind, returning 70 percent of its profits as dividends to shareholders.

Final Accounting

This is a good place to re-emphasize that, despite the wildly different balance sheets, these two banks also have a lot in common. The differences are real, but they probably don’t overshadow the similarities. Rulis, the D. A. Davidson analyst, points out that the differences between the two banks could simply be two competitors staking out different turf in the marketplace.

“Maybe one or the other says, ‘Do we really want to bash heads with those guys?’ If I’m First Hawaiian management, for example, do I really want to go after mortgage banking from the fee side when Bank of Hawaii has been there forever? Maybe we should just retrench in something we’re better suited to garner business in.”

First Hawaiian’s Bob Harrison hints at the same thing. “With commercial and industrial lending, it takes a different group of bankers to work with those kinds of customers. We like that and we’re very comfortable with that. A lot of the folks on our senior management team, myself included, have grown up with that.”

Phill Rowley, CEO of Treasury Management Services Inc., which advises banks on how to manage their assets, also agrees. “It seems to me, you’ve got two banks here that have discovered their niches. One is more consumer-oriented and the other more commercial-oriented.” Some banks, he adds, are just more comfortable making loans while others favor investing.

For his part, Peter Ho doesn’t think the banks are as different as the numbers seem to indicate. “I really don’t,” he says. “I think both banks are obviously committed to the Islands. I think both banks take the customer’s interests and the community’s interests as truly core values in the organization. And I think both organizations are pretty conservative, as you would expect community banks that are both over years old to be. So, I’m not sure I see too much in the way of meaningful or operational differences.”

Then again, it’s hard to ignore the numbers.

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Источник: mynewextsetup.us

I’m going to go ahead and assume that if you’re finding yourself at this page odds are that you have just received a Hawaiian Airlines Bank of Hawaii (BoH) Mastercard in the mail but are unsure of what to do now. You will want first to activate the card, then to register an account online, and finally to manage your card from the comfort of your home. We have created guides, available below, to carry you through each of these processes with clarity and transparency. Once completed, you will be able to pay bills, view past statements, and more with ease via the BoH online user portal.

It would be wise to at least scan over the BoH online privacy policy before submitting any personal information to their system.

How to Login

To login navigate to the BoH homepage and enter your e-Bankoh User ID.

hawaiian-login-1

On the subsequent page shown below enter your password and select sign in in order to complete the login process.

hawaiian-login-2

All login difficulties, including lost credentials, can be resolved by calling BoH at 1 ()

Activation/Registration

Activation is possible only by calling the number listed above. Once active, register your card by selecting the link above and working through the following steps. First, select the enroll link located just below the login field.

hawaiian-login-1

Select continue once the requisite information has been collected.

hawaiian-login-3

You must now indicate where you opened your account and what the nature of this account was/is.

hawaiian-login-4

Select the line of  credit account bullet point and then click continue.

hawaiian-login-5

Enter the information requested to complete this step. You will then be able, on the following pages, to set your security credentials and account preferences.

hawaiian-login-6hawaiian-login-7

Источник: mynewextsetup.us

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard®

Our rating

Min. credit level:Good

Annual Fee:$99

Regular APR%, % or % variable Variable

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard®

Our rating

GoodMin. credit level

$99Annual Fee

Apply NowRead Our Review

Highlights & Features

Rewards

Spending Rewards
  • 3X HawaianMiles per dollar spent at Hawaiian Airlines
  • 2X HawaiianMiles per dollar spent on:
  • 1X HawaiianMile per dollar spent on all other purchases
Introductory Bonus
  • 60, bonus miles for spending $2, in the first 90 days; 20, bonus miles for spending a total of $4, in the first 6 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR%, % or % variable Variable
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card

Fees

Penalty APRN/A
Late FeeUp to $39 (the amount of the fee varies by state)
Returned Payment FeeUp to $37
Additional Cards Annual FeeN/A
Foreign Transaction Fee0% of each transaction in U.S. dollars
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR% Variable
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
How to Get a Cash Advance with a Credit Card
Hawaiian Airlines® Bank of Hawaii World Elite Mastercard®

Highlights

  • Limited Time Offer: 60, bonus miles for spending $2, in the first 90 days; 20, bonus miles for spending a total of $4, in the first 6 months
  • First checked bag free on eligible bags for the primary cardmember when you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • Earn 3X miles on eligible Hawaiian Airlines purchases
  • Earn 2x miles on gas, dining and grocery store purchases
  • Earn 1X miles on all other purchases
  • No foreign transaction fees means you don’t pay additional transaction fees on international purchases
  • Receive an annual $ companion discount for roundtrip travel between Hawaii and North America on Hawaiian Airlines after each account anniversary
  • Share Miles allows you to send and receive miles from family and friends through mynewextsetup.us, without a fee
  • No blackout dates

The Hawaiian Airlines® World Elite Mastercard® is a great card if you travel Hawaiian Airlines frequently. You&#;ll get rewards for travel spending and some decent airline perks.

This card has no foreign transaction fees but it has an annual fee of $

Scroll to top
Источник: mynewextsetup.us

Each ERA grantee has some flexibility to develop their rental assistance program to suit the needs of their local community, while complying with requirements outlined in their ERA financial assistance agreement, the ERA statute, and Treasury’s guidelines. These websites may include resources not funded with the ERA award issued by Treasury.

Check the list to see if your city, county, Tribe, or Tribally Designated Housing Entity (TDHE) has a more specific ERA program website before applying through the state. In most cases, states encourage tenants and landlords to apply to the local ERA program in their area.

Connecticut

mynewextsetup.us

Administered by Connecticut Office of Policy and Management.

Delaware

mynewextsetup.us

Administered by Delaware State Housing Authority.

District of Columbia

mynewextsetup.us#apply

Administered by District of Columbia.

North Dakota

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Administered by North Dakota Department of Human Services.

Rhode Island

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Administered by State of Rhode Island.

Vermont

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Administered by State of Vermont - Office of the Treasurer.

West Virginia

mynewextsetup.us

Administered by West Virginia State Executive Office.

Administered by Office of the Governor - CNMI.

Administered by Government of Guam - Department of Administration.

Administered by Puerto Rico Department of Treasury.

Administered by Government of the United States Virgin Islands.

If you are tribal member or a member of a tribal community, please contact your tribe of affiliation for more information.

Agua Caliente Band of Cahuilla Indians

Ak-Chin Indian Community

Akwesasne Housing Authority

Alabama Quassarte Tribal Town

Alabama-Coushatta Tribe of Texas

Aleutian Housing Authority

All Mission Indian Housing Authority

Apache Tribe of Oklahoma

Aroostook Band of Micmacs

AVCP Regional Housing Authority

Bad River Housing Authority

Bah-Kho-Je Housing Authority

Baranof Island Housing Authority

Native Village of Barrow

Bay Mills Indian Community Housing Authority

Bear River Band of the Rohnerville Rancheria

Bering Straits Regional Housing Authority

Big Sandy Rancheria Band of Western Mono Indians

Big Valley Band of Pomo Indians

Bishop Paiute Tribe

Blackfeet Housing

Bois Forte Resevation Tribal Council

Bridgeport Indian Colony

Bristol Bay Housing Authority

Burns Paiute Tribe

Caddo Nation of Oklahoma

Campo Band of Mission Indians

Catawba Indian Nation

Cedarville Rancheria

Chehalis Tribal Housing Athority

Chemehuevi Indian Tribe

Cherokee Nation

Cheyenne and Arapaho Tribes

Cheyenne River Housing Authority

Chickahominy Indian Tribe

Chickahominy Indian Tribe- Eastern Division

Chickaloon Native Village

Chickasaw Nation

Chippewa Cree Housing Authority

Chitimacha Tribe of Louisiana

MOWA Choctaw Housing Authority

Choctaw Housing Authority

Housing Authority of Choctaw Nation of Oklahoma

Citizen Potawatomi Nation

Cocopah Indian Housing and Development

Coharie Intra Tribal Council, Inc.

Colville Indian Housing Authority

Comanche Nation Housing Authority

Conf. Tribes Coos, Lower Umpqua & Siuslaw Indians

Confederated Tribes of Grand Ronde Hsg Dept

Confederated Tribes of Siletz Indians

Cook Inlet Housing Authority

Copper River Basin Regional Housing Authority

Coquille Indian Housing Authority

Cow Creek Band of Umpqua Tribe of Indians

Cowlitz Indian Tribal Housing

Coyote Valley Band of Pomo Indians

Crow Creek Housing Authority

CTUIR-Housing Department

Delaware Nation

Delaware Tribe of Indians

Dry Creek Rancheria Band of Pomo Indians

Duck Valley Housing Authority

Eastern Band of Cherokee Indians

Eastern Shawnee Tribe of Oklahoma

Eastern Shoshone Housing Authority

Eklutna Native Village

Enterprise Rancheria Indian Housing Authority

Native Village of Eyak

Fallon Paiute-Shoshone Tribe

Flandreau Santee Sioux Tribe

Fond du Lac Band of Lake Superior Chippewa

Fort Belknap Tribal Housing Authority

Fort Berthold Housing Authority

Fort Hall Housing Authority

Fort Independence Indian Community of Paiute India

Fort Peck Housing Authority

Native Village of Fort Yukon

Gila River Indian Community

Goshute Housing Athority

Grand Portage Band of Lake Superior Chippewa

Grand Traverse Band of Ottawa and Chippewa Indians

Greenville Rancheria

Haliwa-Saponi Indian Tribe

Hannahville Indian Community

Havasupai Tribe

Ho-Chunk Housing & Community Development Agency

Hoopa Valley Housing Authority

Hopi Tribe

Houlton Band of Maliseet Indian Housing Authority

Hualapai Indian Tribe

Iliamna Village Council

Indian Township Tribal Govt

Interior Regional Housing Authority

Ione Band of Miwok Indians

Housing Authority of the Iowa Tribe of KS & NE

Isleta Pueblo Housing Authority

Jamestown S'Klallam Tribe

Kalispel Tribe of Indians

Karuk Tribe Housing Authority (TDHE, Karuk Tribe)

Kashia Band of Pomo Indians

Housing Authority of the Kaw Tribe

KBIC Housing Department

Kenaitze-Salamatoff TDHE

Ketchikan Indian Corporation

Kialegee Tribal Town

Kickapoo Housing Authority

Kickapoo Traditional Tribe of Texas

HA of the Kickapoo Tribe of Oklahoma

Kiowa Tribe

Kodiak Island Housing Authority

Native Village of Kotzebue

Native Village of Kwinhagak

Lac Courte Oreilles Housing Authority

Lac du Flambeau Chippewa Housing Authority

Lac Vieux Desert Band of Lake Superior Chippewa

Leech Lake Band of Ojibwe

Little River Band of Ottawa Indians

Little Shell Tribe

Little Traverse Bay Bands of Odawa Indians

Lone Pine Paiute Shoshone Tribe

Lower Brule Housing Authority

Lower Elwha Klallam Tribe

Lower Sioux Indian Housing Authority

Lumbee Tribe of North Carolina

Lummi Indian Business Council

Makah Tribe

Mashantucket Pequot Tribal Nation

Mashpee Wampanoag Tribe

Menominee Indian Tribe of Wisconsin

Mesa Grande Band of Mission Indians

Mescalero Apache Tribe

Metlakatla Housing Authority

Miami Tribe of Oklahoma

Mille Lacs Band of Ojibwe

Modoc Housing Authority

The Mohegan Tribe of Indians of Connecticut

Monacan Indian Nation

Muckleshoot Housing Authority

Muscogee (Creek) Nation

Nambe Pueblo Housing Entity

Nansemond Indian Nation

Narragansett Indian Tribe

Источник: mynewextsetup.us

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard®

Our rating

Min. credit level:Good

Annual Fee:$99

Regular APR%, % or % variable Variable

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard®

Our rating

GoodMin. credit level

$99Annual Fee

Apply NowRead Our Review

Highlights & Features

Rewards

Spending Rewards
  • 3X HawaianMiles per dollar spent at Hawaiian Airlines
  • 2X HawaiianMiles per dollar spent on:
  • 1X HawaiianMile per dollar spent on all other purchases
Introductory Bonus
  • 60, bonus miles for spending $2, in the first 90 days; 20, bonus miles for spending a total of $4, in the first 6 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR%, % or % variable Variable
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card

Fees

Penalty APRN/A
Late FeeUp to $39 (the amount of the fee varies by state)
Returned Payment FeeUp to $37
Additional Cards Annual FeeN/A
Foreign Transaction Fee0% of each transaction in U.S. dollars
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR% Variable
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
How to Get a Cash Advance with a Credit Card
Hawaiian Airlines® Bank of Hawaii World Elite Mastercard®

Highlights

  • Limited Time Offer: 60, bonus miles for spending $2, in the first 90 days; 20, bonus miles for spending a total of $4, in the first 6 months
  • First checked bag free on eligible bags for the primary cardmember when you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • Earn 3X miles on eligible Hawaiian Airlines purchases
  • Earn 2x miles on gas, dining and grocery store purchases
  • Earn 1X miles on all other purchases
  • No foreign transaction fees means you don’t pay additional transaction fees on international purchases
  • Receive an annual $ companion discount for roundtrip travel between Hawaii and North America on Hawaiian Airlines after each account anniversary
  • Share Miles allows you to send and receive miles from family and friends through mynewextsetup.us, without a fee
  • No blackout dates

The Hawaiian Airlines® World Elite Mastercard® is a great card if you travel Hawaiian Airlines frequently. You&#;ll get rewards for travel spending and some decent airline perks.

This card has no foreign transaction fees but it has an annual fee of $

Scroll to top
Источник: mynewextsetup.us

Hawaiian Airlines World Elite Mastercard Review

Earning Rewards

The Hawaiian Airlines World Elite Mastercard rewards its cardmembers most when they spend money with HawaiianAirlines and in bonus categories.

The most generous awards are granted for purchases made directly with Hawaiian Airlines. The card earns 3 HawaiianMiles for every dollar spent on purchases with Hawaiian Airlines. Gas, dining and grocery store purchases earn 2 HawaiianMiles per dollar charged to the card. The card earns 1 HawaiianMiles per dollar spent on all other purchases.

Finally the card currently offers a welcome bonus: 60, bonus HawaiianMiles after spending $2, on purchases in the first 90 days. Earn 20, bonus HawaiianMiles after spending a total of $4, bank of hawaii hawaiian credit card login purchases within the first 6 months. Receive a one-time 50% off companion discount for roundtrip coach travel between Sync amazon prime and the Mainland on Hawaiian Airlines.

Redeeming Rewards

The easiest and most common way that most cardmembers will redeem HawaiianMiles is for travel on Hawaiian Airlines. Redemptions for award travel on Hawaiian Airlines start at 7, HawaiianMiles for one-way main cabin travel between Hawiian islands and 20, for one-way main cabin travel between Hawaii and the American west coast. Hawaiian Airlines publishes an award chart for its own flights, but with up to eight pricing levels between each region, award prices are roughly tied to the cash price of similar tickets on that route.

HawaiianMiles can also be redeemed for travel on Hawaiian Airlines’ partners, including Japan Airlines, JetBlue, Korean Air, Virgin Atlantic and Virgin Australia. Award redemption prices are specific to each partner and are determined by routing, flight length or flight price. Hawaiian Airlines publishes charts of its flight award prices on partner airlines.

In addition to redemptions for award travel, Hawaiian Airlines offers a variety of gift card, car rental and hotel reservation credit partner awards. Generally, these awards represent a value of about half a cent per mile.

Finally, Hawaiian Airlines offers redemption options for newspaper and magazine subscriptions or those wishing to donate miles.

Rewards Potential

Using data from various government agencies, Forbes Advisor has developed estimates tarrant county district clerk civil case search how much a family in the 70th percentile of income spends annually in various categories. We base our assumptions on a sole proprietor in this income range. The 70th percentile of wage-earning households brings in $, annually and has $26, in expenses that can be charged to credit cards. These figures are used to estimate the potential rewards from this credit card.

The Hawaiian Airlines World Elite Mastercard earns 3 HawaiianMiles on eligible purchases with Hawaiian Airlines. Our example family typically spends $1, annually on flights. Assuming that this travel was all with Hawaiian Airlines, they would net 5, HawaiianMiles.

In addition to bonus miles on flights, the card also earns 2 HawaiianMiles per dollar spent on gas, dining and grocery store purchases. Cumulatively, these are large spending categories for most families, with our example family spending $12, across natural home remedies for gout attack categories annually, netting 25, Hawaiian Miles.

The card’s 1 HawaiianMiles per dollar spent on all other purchases would earn this family an additional 11, miles per year, bringing their annual total earnings to 42, HawaiianMiles, about enough for the lowest-tier round-trip main cabin award flight between Hawaii and the west coast. This is in addition to the first year welcome bonus.

Источник: mynewextsetup.us
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Hawaiian Airlines(Registered Trademark) World Elite Mastercard(Registered Trademark)
Hawaiian Airlines(Registered Trademark) World Elite Mastercard(Registered Trademark)

Hawaiian Airlines® World Elite Mastercard®

Reward details

Earn 3x miles on eligible Hawaiian Airlines purchases.

Earn 2x miles on gas, dining and eligible grocery store purchases.

Earn 1x miles on all other purchases.

Welcome bonus

Limited-Time Offer: Earn 60, bonus HawaiianMiles after spending $2, on purchases in the first 90 days. Earn 20, bonus HawaiianMiles after spending a total of $4, on purchases within the first 6 months.

Benefit details

First checked bag free on eligible bags for the primary cardmember when you use your card to purchase eligible tickets directly from Hawaiian Airlines.

Receive a one-time 50%-off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines.

$ companion discount for roundtrip travel between Hawaii and North America on Hawaiian Airlines after each account anniversary.

Interest rates & charges

Purchases - %, % or %, based on your creditworthiness.

This APR will vary with the market based on the Prime Rate.

Balance transfers - %, % or % based on your creditworthiness.

Fees

Balance transfer - Either $5 or 3% of the amount of each transfer, whichever is greater.

Annual fee
  • Earn 60, bonus HawaiianMiles after spending $2, on purchases in the first 90 days. Earn 20, bonus HawaiianMiles after spending a total of $4, on purchases within the first 6 months.

  • on eligible Hawaiian Airlines purchases.2

  • on gas, dining and eligible grocery store purchases.2

  • on all other purchases.2

  • No foreign transaction fees means you don't pay additional transaction fees on international purchases.1

  • allows you to send and receive HawaiianMiles from family and friends through mynewextsetup.us, without a fee.2

  • for the primary cardmember when you use your card to purchase eligible tickets directly from Hawaiian Airlines.2

  • for roundtrip travel between Hawaii and North America on Hawaiian Airlines.2

  • lets you pay just by tapping your card to the card reader. It’s quick, easy and secure.

  • for roundtrip travel between Hawaii and North America on Hawaiian Airlines after each account anniversary.2

  • on Hawaiian Airlines.2

  • HawaiianMiles never expire, so you can redeem them anytime.2

Interest Rates and Charges Summary

APR for purchases

%, % or % variable based on your creditworthiness.

APR for balance transfers

%, % or % variable based on your creditworthiness.

APR for cash advances

% variable

Fee Summary

Annual fee

Annual fee is $

Balance transfer fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Important Information

  1. This offer is valid for approved applicants. Any bonus associated with this offer may only be earned once. This offer is available through this advertisement and may not be accessible elsewhere. For complete pricing and other details, please see the Terms and Conditions. 

  2. This one-time offer is valid for eligible cardmembers. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions for important information.

    Annual Fee is $ For balance transfers and purchases, the variable APR is %, % or % depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is %. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. For more information, see the “About the Variable APRs on Your Account” section of the Terms and Conditions. Mills v board of education of the district of columbia minimum monthly interest charge will be $ Balance transfer fee: 3% (min. $5). Cash advance fees: 5% (min. $10). Foreign transaction fee: oklahoma city national memorial. See Terms and Conditions for updated and more information about the terms of this offer, including the “About the Variable APRs on Your Account” section for the current Prime Rate information.

  3. Conditions and limitations apply. Please refer to the Terms & Conditions for more information about the program benefits and features. The bonus-mile offers, in the first 90 days and the first 6 months, can each be earned independently.

  4. The Hawaiian Airlines World Elite Mastercard is issued by Barclays Bank Delaware (Barclays) pursuant to a license by Mastercard International Incorporated. Mastercard and World Elite Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

    © Barclays Bank Delaware, PO BoxWilmington, DEMember FDIC.

Terms and Conditions

Источник: mynewextsetup.us

Hawaiian Airlines® Bank of Hawaii
World Elite Mastercard®

Apply today

Limited-time offer
Earn up to
80, bonus HawaiianMiles

The card that brings you closer to everything you love. With the Hawaiian Airlines® Bank of Hawaii World Elite Mastercard®, you can get rewarded doing all those little things that make life happier. As a new cardmember, earn 60, Bonus HawaiianMiles® after spending $2, on purchases in the first 90 days and an additional 20, bonus HawaiianMiles after bank of hawaii hawaiian credit card login a total of $4, on purchases in the first 6 months.[2] 

Business owner? Click here to learn more about the Hawaiian Airlines® Business Mastercard®.

Maximize your rewards

Earn up to 80, bonus HawaiianMiles
Earn 60, bonus HawaiianMiles after spending $2, on purchases in the first 90 days and an additional 20, bonus HawaiianMiles after spending a total of $4, on purchases in the first 6 months.[2]

One-Time 50%-Off Companion Discount
Receive a one-time 50%-off companion discount for roundtrip coach travel between Hawaii and the Mainland on Hawaiian Airlines.[2]

First Free Checked Bag
Free first checked bag on eligible bags for the primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.[2]

Limited-time offer
Earn up to

80,

Bonus
HawaiianMiles

One-Time

50%-Off

Companion
Discount

First
Checked Bag

Free

On Eligible Bags

Every purchase brings you closer

Earn 3x HawaiianMiles on eligible purchases made directly from Hawaiian Airlines[2]
You’ll earn 3 HawaiianMiles for every $ spent on eligible direct purchases from Hawaiian Airlines with your Hawaiian Airlines Bank of Hawaii World Elite Mastercard.

 

Earn 2x HawaiianMiles on gas, dining and eligible grocery store purchases[2]
You’ll earn 2 HawaiianMiles for every $ spent on gas, dining and eligible grocery store purchases made with your Hawaiian Airlines Bank of Hawaii World Elite Mastercard.


Earn 1x HawaiianMiles on all other purchases
[2]
You’ll earn 1 HawaiianMile for every $ spent on all other purchases made with your Hawaiian Airlines Bank of Hawaii World Elite Mastercard.

Earn bonus HawaiianMiles at participating partners[2]
Shop at select HawaiianMiles Marketplace partners using your Hawaiian Airlines Bank of Hawaii World Elite Mastercard and earn bonus HawaiianMiles per dollar spent. Click here to find participating partners.

No limit on total HawaiianMiles you can earn[2]
There is no limit to the total miles cardmembers can earn as long as the program continues and the credit card account is open and in good standing.

No foreign transaction fees on international purchases[1]

Take advantage of Share Miles[2]
Cardmembers can receive HawaiianMiles from friends and family through mynewextsetup.us, without a fee.

Discounted award travel[2]
As a Hawaiian Airlines Bank of Hawaii World Elite Mastercard cardmember, you are eligible to receive a discount on flight awards for travel on Hawaiian Airlines. Discounted flight awards are only accessible through the primary cardmember’s HawaiianMiles account online at mynewextsetup.us

Get rewarded every year

$ companion discount[2]
Receive an annual $ discount for roundtrip coach travel between Hawaii and the Mainland on Hawaiian Airlines bank of hawaii hawaiian credit card login each account anniversary. 

In-flight purchase credits for Pualani Elites[2]
Pualani Platinum & Gold members are eligible to receive an in-flight purchase credit of $10 per day, up to $ each account year. Credit can be used on purchases such as onboard entertainment, beverages, and premium meals from our Pau Hana cart.

Transparent Placeholder

Use your Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® and earn your next getaway sooner.

Business owner? Click Here to learn more about
the Hawaiian Airlines® Business Mastercard®.

Apply for a Hawaiian Airlines Bank of Hawaii World Elite Mastercard today

This offer is available to new applicants only.

Apply Today

Annual fee is $[1] See Terms and Conditions for details.

[1] Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. For complete pricing and other details, please see the Terms and Conditions.

This one-time offer is valid for eligible cardmembers. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditionsfor important information.

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First Hawaiian Bank and Bank of Hawaii share more differences than similarities

Profitability is the bottom line, but it’s not the end of the story.

Consider banks: In andHawaii’s two largest financial institutions,First Hawaiian BankandBank of Hawaii, were also the state’s most profitable companies. Last year, they ranked first and third; First Hawaiian’s net income came to $ million and Bank of Hawaii’s profits totaled $ million.

That’s not surprising. After all, both are highly regarded in the banking industry. Forbes magazine has named Bank of Hawaii one of the best-managed banks in the country for each of the last seven years. Neither bank was hurt badly by the sub-prime mortgage debacle that laid waste to the balance sheets of so many mainland banks. Instead, both have remained steadily profitable and financially stable. And, while their ownership structure is different – Bank of Hawaii is an independent, publicly traded corporation, while First Hawaiian is a wholly owned subsidiary of Paris-based BNP-Paribas – operationally, they’re both committed to community banking. The average consumer would be forgiven for thinking the two banks, facing each other across Bishop Street, were mirror images of one another.

Yet, a closer look at the banks’ numbers suggests that they’re more different than they appear. Run a finger down the columns in their financial statements and it becomes clear that, despite superficial similarities, First Hawaiian and Bank of Hawaii make their profits in very different ways, focus on different assets and fund their operations with different liabilities. Parsing these differences is a good way to understand not only these two banks, but also how companies think about profitability in general.

By The Numbers

The best place to start is with their income statements. For banks, income comes from three broad categories. First, there’s the income they make lending money to customers. This is what most people think of as “banking,” and it’s straightforward: The bank takes deposits “borrowed” at 0 percent, or nearly 0 percent these days, and lends that money as, for example, residential mortgages at percent interest or business lines of credit at 8 percent. The interest rate margin – the difference between what the bank pays for the deposit and what it charges for the loan – represents the return for the bank, minus taxes and expenses.

Banks also make money by investing, generally in safe, but not terribly profitable, securities like U.S. Treasuries or federal agency bonds and municipal bonds. Together, the lending and investing streams of income are called “interest income.” Banks also have a third kind of revenue called, not surprisingly, “noninterest income,” which includes fees and commissions they earn for services like trust management or financial advising. As interest rates fall, along with interest rate margins, this noninterest income becomes more important.

A glance at the income statements of First Hawaiian and Bank of Hawaii reveals their different focuses. InFirst Hawaiian made about 12 percent of its interest income from investments, which is fairly typical of community banks of its size. At Bank of Hawaii, investment interest income was almost 39 percent. That’s more typical of a large, national bank than a community bank. To put it in perspective, Bank of America, the second largest bank in the country, made 27 percent of its interest income from investments.

That’s not to say Bank of Hawaii takes more risks. “It’s not an excessively aggressive portfolio,” says Jeff Rulis, senior research analyst with D. A. Davidson, a Montana-based financial consulting firm. “They keep the portfolio relatively short, in terms of duration. So, while the size of the portfolio may be larger, the inherent risk is pretty moderate.” It is, though, quite different from First Hawaiian.

Let’s take a closer look at that income statement: InBank of Hawaii earned $ million on mortgage-backed securities (not the mission inn san jose ca kind that almost sank the financial markets bank of hawaii hawaiian credit card loginbut securities that are backed by the goverment through agencies like Ginnie Mae and Fannie Mae), plus an additional $ million from other investment types, like municipal bonds, U.S. Treasuries and agency securities. National weather service nevada city ca contrast, First Hawaiian, though the larger of the two banks, earned only about $55 million from mortgage-backed securities and less than $7 million in other investment income.

On the loan side, though, the roles of the banks are flipped. First Hawaiian earned $ million on its loans and leases, nearly twice Bank of Hawaii’s $ million. Yet, the gross earnings for the two banks are similar: $ million for First Hawaiian and $ million for Bank of Hawaii. So, why would the income streams of two banks with such similar reputations be so different? In order to understand that, we have to look elsewhere in the financial statements.

The Balance Sheet

“The income statement is just a reflection of activity on the balance sheet,” says Bob Harrison, CEO of First Hawaiian. “And the balance sheet difference is that our loan portfolio is $9 billion while our investment portfolio is less than half that.” That ratio is remarkably different from Bank of Hawaii, which has a $ billion loan portfolio that’s actually smaller than its $ billion investment portfolio. Remarkably, though, both banks say they prefer loans to securities.

According to Harrison, there are a couple reasons for this. “The way we look at it,” he says, “we’re taking deposits to reinvest in the community. And the community benefits when we lend people money, whether it’s a consumer loan, a car loan, a home-equity line or a business loan to construct a new building or expand their working capital, etc. We really see the benefit of taking one person’s deposit and putting that back out into the community as a loan to someone else. It really multiplies in the community.”

The problem, he says, is that the bank simply can’t find enough loan opportunities that it feels comfortable making. At the same time, people and businesses have been hoarding cash, especially in the wake of the Great Recession. As a result, the bank’s core deposits have grown by 53 percent over the last four years. First Hawaiian, in effect, is sitting on $ billion in excess cash.

“That extra money,” Harrison says, “we put in our investment portfolio. It’s very high quality. We take very, very little risk. In fact, the vast majority of our investments are in Treasuries, government agencies, etc., etc., because that’s not an area where we’re willing to take risk. That’s just where we put our extra money. Where we’re really ready to sit down with someone and understand the risk is in our loan portfolio. And the difference, the reason we prefer loans, is that, although it’s more work, the yield is higher on the loan portfolio.”

Bank of Hawaii CEO Peter Ho says much the same thing, notwithstanding the very different asset portfolios of the two banks. He points out that, over the last three years, the Bank of Hawaii’s deposits have grown 14 percent. “That’s a big number, even on an annualized basis,” he says. “On the other hand, loan growth has tracked closer to the state GDP, so we’re probably going to end up having about a 3 percent per annum growth on loans versus a 4 percent or 5 percent per annum deposit growth, and that effectively creates the need to invest.”

Like Harrison, Ho also notes that the securities investments are not the bank’s first choice. “If we had our druthers, frankly, we’d lend it all,” he says. “The reason why is because there’s a higher yield associated with lending money as opposed to investing money.”

However, despite the banks’ very similar sounding philosophies, their balance sheets are almost entirely different. Consider their investment portfolios:

  • Bank of Hawaii owns $ million in municipal bonds; First Hawaiian has zero.
  • First Hawaiian holds $ billion in U.S. Treasuries and agency securities; Bank of Hawaii has $ billion.
  • Nearly $ billion, 27 percent of Bank of Hawaii’s total investment portfolio, is in “held-to-maturity securities”; First Hawaiian, once again, has zero.

In total, First Hawaiian, the larger of the two banks, holds $ billion in investment assets compared to Bank of Hawaii’s $ billion. (How’s that for “excess liquidity”?) The percentages are even more striking: only 38 percent of First Hawaiian’s total earning assets are in investment securities vs. 55 percent for Bank of Hawaii. How do we account for this difference?

The Loan Portfolio

The answer is also on their balance sheets. Let’s look at the loan portfolios: Both have a similar amount in real estate loans, but very different amounts in other loan types. First Hawaiian has more than $ million in individual loans on the books, more than twice as much as Bank of Hawaii. The difference in commercial loans is even more dramatic. First Hawaiian holds commercial loans (including lines of credit and commercial real estate loans) totaling $ billion compared to $ million at Bank of Hawaii. And First Hawaiian’s $ billion total loan and lease portfolio is more than $3 billion larger bank of hawaii hawaiian credit card login its competitor’s. That $3 billion difference in loans that First Hawaiian was able to make largely explains why Bank of Hawaii had so much more excess cash that it had to invest in securities. That, despite the fact that First Hawaiian parked another $ billion of its excess liquidity in the Federal Reserve System, where it earned almost no interest at all.

According to Ho, the decision of where to put your excess capital is tied to that question of liquidity. “The Fed is considered the most liquid of marketplaces,” he says. “On the other hand, more than half of our balance sheet is in U.S. Treasuries. So, that’s the same thing as liquidity. If I needed to sell bonds tomorrow, I hope to hell I could find a buyer for a U.S. Treasury or we’re all in big trouble. That’s the way we look at liquidity: If tomorrow morning, half of our depositors came in and said, ‘We want our cash right now’ – obviously that’s not really going to happen, but if it did – would we have the liquidity to support that? And the answer is yes. We could take the securities and sell them, $7 billion or whatever it is, and say, ‘Fine, here’s your money.’

“A loan is a little different. With a loan, I can’t call up a customer and say, ‘I know I made that loan to you and said you didn’t have to pay me back for 30 years, but I’ve got a customer at my window and he wants to be paid and I don’t have the money.’ ”

The Growth Question

Although the balance sheet makes it easy to see how the two banks ended up weighted toward columbia bank home asset classes, explaining why is somewhat harder. Let’s take a closer look at First Hawaiian’s $ billion commercial loan portfolio. Not only is this four times the size of Bank of Hawaii’s portfolio, but it grew 31 percent in while Bank of Hawaii’s actually shrank 3 percent. And, if you look at the other banks in the state, Bank of Hawaii’s situation is the more typical of the two.
According to Ho, this simply reflects the slow growth in the state GDP. “Shouldn’t loan growth be pretty much correlated almost exclusively to growth in the marketplace?” he asks. “Assuming you’re just doing what the economy is giving you, that people are borrowing for what the economy allows them to do, and business activity reflects the economic environment, our sense has always been that our lending activity should always loosely track whatever is happening in the economy. When it doesn’t, that’s when you start to potentially see bubbles being created.”

“The other thing to bear in mind when you look at bank balance sheets,” he says, “is where are the assets coming from? We know where our investment assets are coming from. They’re coming from the U.S. Treasury, for the most part, or from municipalities, including Hawaii. But where are the loan assets coming from? That’s a separate question. For us, the vast, vast, vast majority of our loan assets are sourced right here in the Islands and in Guam – we have a large Guam operation – and the source of repayment, the people and businesses underwriting those loans, are also right here in the Islands.”

He suggests that might not be the case with First Hawaiian. By way of explanation, he returns to the notion of the state’s GDP.
“Let me ask you,” he says, “do you think there’s something different in the way they approach their loan portfolio bank of hawaii hawaiian credit card login the economy is growing at 3 percent and their loans grew at 31 percent? Where could those loans be coming from?”

One possibility is that First Hawaiian is poaching business from other banks in Hawaii. In fact, Harrison points out that, during the financial crisis inwhen other banks started to pull back on their lending, First Hawaiian’s loan portfolio experienced the most dramatic growth in the bank’s history. He attributes this growth to the bank’s consistent lending standards: “We don’t lower our standards when the economy is good, and we don’t raise them when the economy is bad.”

But Ho notes that this doesn’t account for the growth of First Hawaiian’s loan portfolio in “Over the period of their 31 comerica bank ann arbor locations growth, I think the loans outstanding were pretty much stable to flat for the other banks in Hawaii. So, it’s not coming out of this market. So, where is it coming from? Is it coming from France? Is it coming from California? It’s just hard to believe it’s coming from here.”

Harrison acknowledges that First Hawaiian does, indeed, have clients on the mainland. “Do we do anything in France or in Europe? No. Do we have some stuff on the mainland? The answer is yes. We do some loans for customers that are here and have operations on the mainland and for some of the big national chains that have business here in Hawaii. But if you look at the growth in our commercial loan portfolio over the last several years, the vast majority of that was right here in Hawaii.” Even inhe says, most of that 31 percent growth was local business.

But if First Hawaiian seems to be more successful in its lending operations, Bank of Hawaii does much better on the investment side of the house. That’s not surprising, given their different asset bases. Where First Hawaiian earned a measly percent return on its investments, Bank of Hawaii made percent, a tidy return for the banking industry. Bank of Hawaii also outperformed First Hawaiian in the noninterest income category, $ million to $ million, even though it’s the smaller bank. This likely reflects Bank of Hawaii’s large trust management business.

Deposits

It’s interesting to note that the differences between First Hawaiian and Bank of Hawaii aren’t all on the asset side of their balance sheets. There are also dramatic differences on the liability side, especially in their deposit portfolios.

For example, Bank of Hawaii has more than $1 billion in demand deposits – essentially, the money deposited in customer checking accounts. To the layperson, it might seem odd to call a deposit a liability. After all, this is money the bank can use to make loans or invest. But it’s also money the bank owes back to its depositors. In fact, the term “demand deposit” refers to the fact that depositors can ask to have their money back at any time.

Even so, demand deposits, savings deposits and money markets, known collectively as “core deposits,” are the most attractive balance type for banks. In part, that’s because time deposits, like CDs, tend to increase interest risk for the bank: The bank is locked into paying a specific interest numero de amazon usa for a year or more, regardless of whether ­market rates go how to redeem ulta rewards or down. Peter Ho points out, “Basically, banks that have more core deposits than time deposits are considered to have a better deposit profile. That’s why we focus on demand and savings deposits. And, because we haven’t seen tremendous growth in demand on the lending side, we haven’t really had to try to raise time deposits.”

First Hawaiian, in contrast, has less than half the demand deposits of Bank of Hawaii. And although its total core deposits are more than Bank of Hawaii’s – FHB has nearly $1 billion more in money market deposits – a larger percentage of its assets are bank of hawaii hawaiian credit card login time deposits.

Ratios

Maybe the most startling items in a bank’s financial statement are its earning ratios. Analysts pay special attention to a couple of these: return on assets (ROA) and return on equity (ROE). It’s worth noting that First Hawaiian and Bank of Hawaii both perform well above their peer group in these categories. When you compare the two local banks, First Hawaiian has a slightly larger ROA ( percent vs. percent,) while Bank of Hawaii has a better ROE (a remarkable 17 percent, vs. percent.)

But what do those numbers mean? ROA is fairly straightforward. It tells investors how efficiently a company exploits its assets. In First Hawaiian’s case, the company was able to earn an annual return of percent on the assets it had at hand in Those might seem like tiny returns, but they put the bank in the top quartile among its national peers.

Here, it’s worth pausing for a moment to consider the business model of banking. If you had $16 billion dollars to invest, would you be happy with a return of just percent (or percent, in the case of Bank of Hawaii, still above average for the industry)? Historically, the stock market has yielded annual returns more like 7 percent. Why would anyone want to be in the banking business if a good year earns less than 2 percent? Here’s the one-word answer: leverage.

After all, only a small percentage of the money a bank lends out or invests belongs to the shareholders. Most of it comes from the deposits of its customers. When you put your paycheck into your checking account (at zero percent interest) the bank may turn around and lend that as a mortgage at percent interest or as a line of credit at 8 percent. In practice, of course, some percentage of that loan comes from shareholder equity and some percentage comes from deposits. At Bank of Hawaii, the shareholder equity amounts to only percent of its assets. First Hawaiian, which has more equity than all the other banks in Hawaii combined, still only owns percent of its assets. That means every dollar that First Hawaiian invests of its own is leveraged with more than five dollars of deposits. Consequently, First Hawaiian’s ROE is a healthy percent. And Bank of Hawaii, because it has far less equity – that is, a much higher percentage of the money it lends out or invests comes from depositors rather than shareholders – has a whopping 17 percent ROE, among the best in the nation.

Jeff Rulis, an analyst who covers Bank of Hawaii, puts it this way: “If you’re generating over a 1 percent ROA, or more than a 5 percent ROE, that’s pretty good. And if you’re generating a double-digit ROE, which Bank of Hawaii has for years and years, that’s very rare.” So we don’t want to read too much into these numbers.

It could be that the different levels of equity just reflect the differences in ownership. Bank of Hawaii, as an independent, publicly traded corporation, is more sensitive to the concerns of investors. And investors pay particular attention to a company’s ROE.

After all, ROE represents the money available to be returned to the shareholders, either as dividends or by growing the company and increasing the value of its stock. In theory, a lower ratio of equity to total assets means a higher return for investors. Of course, a bank still needs to maintain enough equity, cash reserves, etc. to cover depositor withdrawals and to weather economic downturns. One need only look to the banking crisis of to see what happens when financial institutions leverage their assets too far. But for a healthy, well-managed institution like Bank of Hawaii, deciding upon the correct level of equity capital – how much of the profits to keep as retained earnings to grow the company, and how much to return to investors as dividends – is a strategic decision.

On the other hand, First Hawaiian, as a wholly owned subsidiary of BNP, doesn’t have to placate thousands of shareholders, just one. As the single shareholder, BNP is entitled to the entire ROA. In fact, inFirst Hawaiian returned all its profits, and then some, as dividends to its single owner. Bank of Hawaii wasn’t far behind, returning 70 percent of its profits as dividends to shareholders.

Final Accounting

This is a good place to re-emphasize that, despite the wildly different balance sheets, these two banks also have a lot in common. The differences are real, but they probably don’t overshadow the similarities. Rulis, the D. A. Davidson analyst, points bmo harris bank wausau wi hours that the differences between the two banks could simply be two fnbo visa login staking out different turf in the marketplace.

“Maybe one or the other says, ‘Do we really want to bash heads with those guys?’ If I’m First Hawaiian management, for example, do I really want to go after mortgage banking from the fee side when Bank of Hawaii has been there forever? Maybe we should just retrench in something we’re better suited to garner business in.”

First Hawaiian’s Bob Harrison hints at the same thing. “With commercial and industrial lending, it takes a different group of bankers to work with those kinds of customers. We like that and we’re very comfortable with that. A lot of the folks on our senior management team, myself included, have grown up with that.”

Phill Rowley, CEO of Treasury Management Services Inc., which advises banks on how to manage their assets, also agrees. “It seems to me, you’ve got two banks here that have discovered their niches. One is more consumer-oriented and the other more commercial-oriented.” Some banks, he adds, are just more comfortable making loans while others favor investing.

For his part, Peter Ho doesn’t think the banks are as different as the numbers seem to indicate. “I really don’t,” he says. “I think both banks are obviously committed to the Islands. I think both banks take the customer’s interests and the community’s interests as truly core values in the organization. And I think both organizations are pretty conservative, as you would expect community banks that are both over years old to be. So, I’m not sure I see too much in the way of meaningful or operational differences.”

Then again, it’s hard to ignore the numbers.

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Lac Vieux Desert Band of Lake Superior Chippewa

Leech Lake Band of Ojibwe

Little River Band of Ottawa Indians

Little Shell Tribe

Little Traverse Bay Bands of Odawa Indians

Lone Pine Paiute Shoshone Tribe

Lower Brule Housing Authority

Lower Elwha Klallam Tribe

Lower Sioux Indian Housing Authority

Lumbee Tribe of North Carolina

Lummi Indian Business Council

Makah Tribe

Mashantucket Pequot Tribal Nation

Mashpee Wampanoag Tribe

Menominee Indian Tribe of Wisconsin

Mesa Grande Band of Mission Indians

Mescalero Apache Tribe

Metlakatla Housing Authority

Miami Tribe of Oklahoma

Mille Lacs Band of Ojibwe

Modoc Housing Authority

The Mohegan Tribe of Indians of Connecticut

Monacan Indian Nation

Muckleshoot Housing Authority

Muscogee (Creek) Nation

Nambe Pueblo Housing Entity

Nansemond Indian Nation

Narragansett Indian Tribe

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Comments

  1. Richard please help me with my attendance clerk interview coming up tomorrow.!! ❌❌❌

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