As to the safety of your deposits, you may be assured that all depository institutions in Hawaii, whether federally-chartered, or Hawaii-chartered or Hawaii-licensed, must provide for insurance on deposits up to $100,000 per depositor.

For more information on insured deposits, click here on "Deposit Insurance".

As to the soundness of your depository institution, only a limited amount of financial information on any specific institution is available through DFI. By law, DFI is prohibited from releasing, to the public, ratings and other information relating to safety and soundness examinations, as well as most other information generated in the course of performing DFI's functions. (Section 412:2-104, HRS)

Currently, the following information is available to the public, through the DFI office:

1. Comparative Statements of Condition, prepared semi-annually by DFI from information in reports submitted to DFI by Hawaii-chartered banks, savings and loan associations, trust companies, and depository financial services loan companies (also available on-line at "Reports and Publications");
2. List of institutions chartered or licensed by DFI;
3. The public portion of application files (excludes confidential or proprietary information);
4. The statements of assets and liabilities of Hawaii-chartered or -licensed banks, savings banks, savings and loan associations, trust companies, and depository financial services loan companies; and
5. Escrow depository records maintained by DFI (copies of bonds, insurance policies, audit reports, and license renewal applications), except for information designated as confidential or proprietary.

Generally, information that is deemed public shall be made available for inspection and copying during DFI's regular business hours. Depending upon the scope of the request, DFI personnel may need time to segregate and/or black-out confidential or proprietary information contained in a file or document. Fees may be assessed for searching records (at $2.50 per 15 minutes), and for reviewing and segregating/blacking-out records (at $5 per 15 minutes). Duplicating fees are currently 25 cents per page.

Information is also available to the public from federal agencies that regulate the various depository financial institutions. For example:

• The Federal Deposit Insurance Corporation (FDIC)'s Web site has "Bank Data" which includes the Reports of Condition and Income and Thrift Financial Reports (call reports) that must be submitted to it quarterly by FDIC-insured depository institutions. Also under "Bank Data" is a category named "Bank Rating and Analysis Service" which lists private companies that rate banks and thrift institutions. This list is provided as a resource guide for researchers and is not an endorsement or confirmation by the FDIC. DFI also does not endorse the companies or information they may provide. You may go now to www.fdic.gov and click on "Bank Data", then select the type of information you wish to view.
• Courtesy of the Board of Governors of the Federal Reserve, the National Information Center (NIC) is a Web site that provides comprehensive information on many depository institutions (such as banks, savings and loan associations, credit unions, and agencies of foreign banks operating in the U.S.) in which the Federal Reserve has a supervisory, regulatory or research interest. The information includes the organizational hierarchy and structure, including historical information on the structure of the institutions and, for some institutions, financial information (such as balance sheets, income statements, and details on types of loans made by the institution) for selected time periods. You may go now to NIC's web site at www.ffiec.gov/nic.
• The National Credit Union Administration (NCUA)'s Web site has a section called "Credit Union Data", which provides access to many reports, including Statements of Financial Condition of individual credit unions. You may go now to NCUA's "Credit Union Data" at www.ncua.gov/IndexCUQuery.htm.

Other federal regulators of financial institutions may have comparable or additional information available to the public. For more agency names, street addresses, phone numbers, and Web addresses, click here on " Federal Regulators."

Links to other Web sites are provided to assist in locating information. DFI has no responsibility for the contents of Web sites found at links provided from this Web site. By referring to or providing links, DFI does not attest to the accuracy or propriety of any information located at such Web sites.