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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 December 31, 2014
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$68,411$75,355$77,999
Loans Receivable, Net29,93332,99434,643
Mortgage-Backed Securities11,02513,84419,731
Investments20,64621,02016,826
Deposits60,16167,41270,002
Borrowings500500500
Equity7,3446,9806,927
Net Interest Income1,8801,9421,998
Fee Income333376382
Overhead2,0762,0372,026
Net Operating Income486450268
Net Income467439268
Ratio Analysis Profitability%%%
Return on Assets *0.640.560.34
Operating Return on Assets *0.670.580.34
Return on Equity *6.506.353.82
Net Interest Margin *2.752.662.70
Fee Income / Assets *0.460.480.49
Overhead / Assets *2.852.612.59
Efficiency Ratio80.9781.1279.54
Asset Quality%%%
Nonperforming Assets / Assets0.720.871.71
Nonperforming Assets / Equity & Loss Reserves6.168.5517.54
Loss Reserves / Nonperforming Loans128.27109.1251.16
1-4 Fam Mtg + MBS / Assets31.8332.8639.59
Commercial Real Estate Loans / Assets5.104.613.98
Construction Loans / Assets1.220.870.21
Commercial & Industrial Loans / Assets4.875.917.45
Consumer Loans / Assets5.596.928.40
Capitalization%%%
Equity / Assets10.749.268.88
Tangible Capital / Tangible Assets10.749.268.88
Risk-based Capital Ratio25.1421.5119.96
Liquidity%%%
Loans / Deposits49.7548.9449.49
Non-Interest Bearing Deposits / Deposits25.2624.1618.94
Purchased Liabilities1.481.694.10

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