Institution Statistics
| Hawthorn Bank | | FDIC Certificate # | 10619 | | BankRate Report | View | | Year Established | 1911 | | Employees | 334 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.19 billion | | Loans | $813.18 million | | Deposits | $1.01 billion | | Equity Capital | $125.60 million | | Loan Loss Allowance | $14.17 million | | Unbacked Noncurrent Loans | $29.75 million | | Real Estate Owned | $17.13 million |
Historic Data - March 2011 | | Assets | $1.19 billion | | Equity Capital | $122.50 million | | Loan Loss Allowance | $11.93 million | | Unbacked Noncurrent Loans | $34.26 million | | Real Estate Owned | $11.88 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.1% | | Return on Assets | 0.59% | | Return on Equity | 5.54% | | Interest Income | $12.47 million |
|
|
Institution Health
Overall Score:
3 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, 2012 Hawthorn Bank had $46.88 million in non-current loans and owned real-estate with $139.77 million in equity and loan loss allowances on hand to cover it. This gives Hawthorn Bank a Texas Ratio of 33.54% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Hawthorn Bank held steady from 34.28% as of March 31, 2011 to 33.54% as of March 31, 2012, resulting in a positive change of 2.17%.This indicates that the balance sheet and financial strength for Hawthorn Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Hawthorn Bank has increased its total deposits by $27.5 million, resulting in 2.81% 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 Hawthorn 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. Hawthorn Bank has $1.19 billion in assets with $139.77 million in equity, resulting in a capitalization level of 11.77%, which is above average. |
|
