Bank of Hawaii Credit Card, N.A.

Phoenix, AZ · Cert 35458

FDIC

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Phoenix, AZ · Cert 35458

FDIC

Q2 2001

$309.7MAssets

n/aLoans

$550KDeposits

$299.0MEquity

Deposit mix

Return on Assets (YTD, annualized)

34.27%+3,254 bps YoY

Net Interest Margin (YTD, annualized)

6.57%

Efficiency Ratio (YTD, annualized)

5.89%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	1.73%	3.31%	4.07%	67.32%	34.27%	+3,254 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	15.29%	6.57%	n/a
Efficiency Ratio	n/a	n/a	n/a	5.05%	5.89%	n/a
Non-Interest Burden	n/a	n/a	n/a	-107.32%	-34.34%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	25.86%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-100.00%	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	-9.39%	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	1.11%	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	104.66%	474%	n/a
Equity / Assets	n/a	n/a	n/a	86.91%	96.54%	n/a
Liquidity & Funding
Loans / Deposits	34132%	17428%	29339%	0.00%	0.00%	-3,413,180 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a