Performance Ratios (%) HWBK Peer Median Peer Average
ROAA 0.40 0.86 0.84
ROAE 6.12 8.06 7.66
Net Interest Margin 3.29 3.43 3.48
Efficiency Ratio 74.17 70.04 68.49
Loans / Deposits 94.33 88.83 86.90
Asset Quality Ratios (%)
NPAs / Assets 1.56 1.32 1.49
NCOs / Avg Loans 0.11 0.09 0.10
Reserves / Loans 1.02 1.06 1.18
Reserves / NPAs 50.08 78.17 201.46
Capital Ratios (%)
Tier 1 Capital 11.31 12.63 12.76
Tangible Equity / Tangible Assets 6.54 8.63 8.93
Total Equity / Total Assets 6.54 11.01 9.93
Market Ratios
Price / Earnings (x) 24.75 13.46 14.30
Price / Book (%) 148.28 156.68 154.45
Dividend Yield (%) 1.72 2.29 1.86
Data for trailing four quarters

Hawthorn Bancshares, Inc.'s peer group consists of the following: Centrue Financial Corporation (CFCB), First Financial Service Corporation (FFKY), German American Bancorp, Inc. (GABC), Horizon Bancorp, Inc. (HBNC), LNB Bancorp, Inc. (LNBB), Ohio Valley Banc Corp. (OVBC), West Bancorporation, Inc. (WTBA)

Hawthorn Bancshares, Inc.'s financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

LNB Bancorp, Inc.'s financial data is as of 6/30/2015.
First Financial Service Corporation's financial data is as of 9/30/2014.
Centrue Financial Corporation's financial data is as of 3/31/2017.