The Bank of Hawaii Corporation is a regional commercial bank headquartered in Honolulu, Hawaii. It is Hawaii's second oldest bank and its largest locally owned bank in that the majority of the voting stockholders reside within the state. Bank of Hawaii has the most accounts, customers, branches, and ATMs of any financial institution in the state . The bank consists of four business segments: retail banking, commercial banking, investment services, and treasury. The bank is currently headed by chairman, president and chief executive officer, Peter S. Ho. In 1893, Charles Montague Cooke with his brother-in-law Joseph Ballard Atherton and business partner Peter Cushman Jones founded Bank of Hawaii. In 1897, it was chartered in the Republic of Hawaii by Interior Minister James A. King. A decade after its founding, in 1903, the bank opened its first branch in Kauai. In 1922, the bank acquired First Bank of Hilo, which had four branches. In 1930, it amalgamated Bank of Maui.