Hawaii National Bank

Hawaii National Bank is headquartered in Honolulu and is the 6^th largest bank in the state of Hawaii. It is also the 1,084^th largest bank in the nation. It was established in 1960 and as of March of 2013, it had grown to 200 employees at 14 locations. Hawaii National Bank has a 5-star health rating.

Hawaii National Bank Routing Number: 121301772

Data for Q1 2013

Institution Statistics Hawaii National Bank FDIC Certificate # 18296 BankRate Report View Year Established 1960 Employees 200 Primary Regulator OCC Assets and Liabilities Assets $621.23 million Loans $331.94 million Deposits $566.17 million Equity Capital $52.81 million Loan Loss Allowance $4.69 million Unbacked Noncurrent Loans $1.63 million Real Estate Owned $305,000 Historic Data - March 2012 Assets $609.71 million Equity Capital $51.66 million Loan Loss Allowance $4.62 million Unbacked Noncurrent Loans $3.98 million Real Estate Owned $658,000 Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 0.03% Return on Equity 0.32% Interest Income $5.02 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 March 31, 2013 Hawaii National Bank had $1.94 million in non-current loans and owned real-estate with $57.5 million in equity and loan loss allowances on hand to cover it. This gives Hawaii National Bank a Texas Ratio of 3.37% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hawaii National Bank decreased significantly from 7.77% as of March 31, 2012 to 3.37% as of March 31, 2013, resulting in a positive change of 56.59%.This indicates that the balance sheet and financial strength for Hawaii National Bank has improved significantly in recent periods. Deposit Growth In the past year, Hawaii National Bank has increased its total deposits by $9.79 million, resulting in 1.76% 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 Hawaii National Bank has shown is above average. 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. Hawaii National Bank has $621.23 million in assets with $57.5 million in equity, resulting in a capitalization level of 9.26%, which is average.

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