Hawaii National Bank

Hawaii National Bank Locations
45 North King Street, 7th Floor
Honolulu, HI 96817
www.hawaiinational.com

FDIC


Hawaii National Bank is headquartered in Honolulu and is the 6th largest bank in the state of Hawaii. It is also the 1,084th 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 ReportView
Year Established1960
Employees200
Primary RegulatorOCC

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 Margin3.4%
Return on Assets0.03%
Return on Equity0.32%
Interest Income$5.02 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 Trend5
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 Growth4
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.
Capitalization3
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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