Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
877-442-9846
132 East High Street
Jefferson City, MO 65101

Hawthorn Bank is headquartered in Jefferson City and is the 21st largest bank in the state of Missouri. It is also the 589th largest bank in the nation. It was established in 1911 and as of December of 2013, it had grown to 346 employees at 24 locations. Hawthorn Bank has a B health rating.

Related Posts



No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
C+

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 December 31, 2013 Hawthorn Bank had $29.49 million in non-current loans and owned real-estate with $124.7 million in equity and loan loss allowances on hand to cover it. This gives Hawthorn Bank a Texas Ratio of 23.65% 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 28.40% as of December 31, 2012 to 23.65% as of December 31, 2013, resulting in a positive change of 16.73%.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 -$35.5 million, resulting in -3.57% 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 below average.

Capitalization

GRADE:
A

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 $1.13 billion in assets with $124.7 million in equity, resulting in a capitalization level of 11.04%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #10619
Year Established1911
Employees346
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.13 billion
Loans$816.27 million
Deposits$957.67 million
Equity Capital$110.98 million
Loan Loss Allowance$13.72 million
Unbacked Noncurrent Loans$14.29 million
Real Estate Owned$15.20 million
Historic Data - December 2012
Assets$1.16 billion
Equity Capital$123.90 million
Loan Loss Allowance$14.37 million
Unbacked Noncurrent Loans$14.29 million
Real Estate Owned$20.47 million
Profit Margin - Quarterly
Net Interest Margin3.9%
Return on Assets0.6%
Return on Equity5.94%
Interest Income$45.63 million
Rates

Sorry, we do not have rate data for Hawthorn Bank

Locations

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