SAN FRANCISCO - Net income at Bancorp Hawaii, the Aloha State's largest institution, tanked 17.9% from last year's period to $28.2 million, while earnings at First Hawaiian Inc. were $19 million, the same as last year. Zions Bancorp., Salt Lake City, boosted profits a healthy 28.6% to $16 million.

The companies fortunes' were greatly affected by loan growth and management of interest rate spreads. Bancorp Hawaii booked a 5% increase in loans over last year's period to $7.8 billion. But the net interest margin declined 37 basis points to 3.62%.

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