First National Bank of Hawley

First National Bank of Hawley is headquartered in Hawley and is the 193^rd largest bank in the state of Minnesota. It is also the 5,302^nd largest bank in the nation. It was established in 1905 and as of September of 2011, it had grown to 20 employees at 2 locations. First National Bank of Hawley's savings rates are 3X the national average, and it boasts a 5-star health rating.

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First National Bank of Hawley Savings Account Rates

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First National Bank of Hawley CD Rates

Data for Q3 2011

Institution Statistics First National Bank FDIC Certificate # 5161 BankRate Report View Year Established 1905 Employees 20 Primary Regulator OCC Assets and Liabilities Assets $87.58 million Loans $55.47 million Deposits $70.87 million Equity Capital $8.88 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $1.24 million Real Estate Owned $173,000 Historic Data - September 2010 Assets $84.85 million Equity Capital $8.25 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $1.37 million Real Estate Owned $584,000 Profit Margin - Quarterly Net Interest Margin 4.19% Return on Assets 1.06% Return on Equity 10.78% Interest Income $3.21 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 First National Bank of Hawley had $1.41 million in non-current loans and owned real-estate with $10.29 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Hawley a Texas Ratio of 13.73% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank of Hawley decreased slightly from 21.01% as of September 30, 2010 to 13.73% as of September 30, 2011, resulting in a positive change of 34.67%.This indicates that the balance sheet and financial strength for First National Bank of Hawley has improved slightly in recent periods. Deposit Growth In the past year, First National Bank of Hawley has increased its total deposits by $3.89 million, resulting in 5.81% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of Hawley has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of Hawley has $87.58 million in assets with $10.29 million in equity, resulting in a capitalization level of 11.74%, which is above average.

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