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877-442-9846
132 East High Street
Jefferson City, MO 65101

Hawthorn Bank is headquartered in Jefferson City and is the 20th largest bank in the state of Missouri. It is also the 582nd largest bank in the nation. It was established in 1911 and as of March of 2014, it had grown to 350 employees at 24 locations. Hawthorn Bank has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hawthorn Bank had $30.08 million in non-current loans and owned real-estate with $126.57 million in equity and loan loss allowances on hand to cover it. This gives Hawthorn Bank a Texas Ratio of 23.76% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Hawthorn Bank decreased slightly from 28.10% as of March 31, 2013 to 23.76% as of March 31, 2014, resulting in a positive change of 15.43%.This indicates that the balance sheet and financial strength for Hawthorn Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, Hawthorn Bank has decreased its total deposits by -$12.39 million, resulting in -1.24% 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 Hawthorn Bank has shown is average.

Capitalization

GRADE:
B+

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. Hawthorn Bank has $1.15 billion in assets with $126.57 million in equity, resulting in a capitalization level of 10.98%, which is above average.

Institution Statistics

Overall
FDIC Certificate #10619
Year Established1911
Employees350
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.15 billion
Loans$823.19 million
Deposits$988.76 million
Equity Capital$113.72 million
Loan Loss Allowance$12.85 million
Unbacked Noncurrent Loans$15.67 million
Real Estate Owned$14.40 million
Historic Data - March 2013
Assets$1.17 billion
Equity Capital$123.63 million
Loan Loss Allowance$14.08 million
Unbacked Noncurrent Loans$15.67 million
Real Estate Owned$20.00 million
Profit Margin - Quarterly
Net Interest Margin3.84%
Return on Assets0.86%
Return on Equity8.7%
Interest Income$10.95 million
Rates

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Locations

Hawthorn Bank has 24 locations. Click to view all Hawthorn Bank locations.