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SAFE & SOUND® STAR RATINGS

BALDWIN STATE BANK, THE

721 HIGH STREET
BALDWIN CITY, Kansas 66006

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$73,150$71,874$68,411
Loans Receivable, Net29,69130,64529,933
Mortgage-Backed Securities10,43110,18611,025
Investments21,64022,04520,646
Deposits64,87263,61860,161
Borrowings500500500
Equity7,4257,3957,344
Net Interest Income4521,7631,880
Fee Income63293333
Overhead4511,9992,076
Net Operating Income119388486
Net Income110373467
Ratio Analysis Profitability%%%
Return on Assets *0.650.540.64
Operating Return on Assets *0.690.560.67
Return on Equity *6.125.066.50
Net Interest Margin *2.652.682.75
Fee Income / Assets *0.410.420.46
Overhead / Assets *2.722.892.85
Efficiency Ratio79.1283.7580.97
Asset Quality%%%
Nonperforming Assets / Assets0.290.380.72
Nonperforming Assets / Equity & Loss Reserves2.673.456.16
Loss Reserves / Nonperforming Loans285.12221.01128.27
1-4 Fam Mtg + MBS / Assets30.3930.3231.83
Commercial Real Estate Loans / Assets4.023.985.10
Construction Loans / Assets0.500.391.22
Commercial & Industrial Loans / Assets5.046.064.87
Consumer Loans / Assets4.524.785.59
Capitalization%%%
Equity / Assets10.1510.2910.74
Tangible Capital / Tangible Assets10.1510.2910.74
Risk-based Capital Ratio25.6325.6525.14
Liquidity%%%
Loans / Deposits45.7748.1749.75
Non-Interest Bearing Deposits / Deposits26.1823.5025.26
Purchased Liabilities0.971.401.48

* Calculations are based on the latest four quarters of income and expense.
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