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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 September 30, 2015
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$66,232$68,411$75,355
Loans Receivable, Net28,82029,93332,994
Mortgage-Backed Securities8,76711,02513,844
Investments20,90020,64621,020
Deposits57,84460,16167,412
Borrowings500500500
Equity7,5157,3446,980
Net Interest Income1,3331,8801,942
Fee Income220333376
Overhead1,4692,0762,037
Net Operating Income355486450
Net Income344467439
Ratio Analysis Profitability%%%
Return on Assets *0.620.640.56
Operating Return on Assets *0.650.670.58
Return on Equity *5.886.506.35
Net Interest Margin *2.752.752.66
Fee Income / Assets *0.430.460.48
Overhead / Assets *2.972.852.61
Efficiency Ratio80.5480.9781.12
Asset Quality%%%
Nonperforming Assets / Assets0.410.720.87
Nonperforming Assets / Equity & Loss Reserves3.376.168.55
Loss Reserves / Nonperforming Loans221.17128.27109.12
1-4 Fam Mtg + MBS / Assets29.6831.8332.86
Commercial Real Estate Loans / Assets4.695.104.61
Construction Loans / Assets0.431.220.87
Commercial & Industrial Loans / Assets4.244.875.91
Consumer Loans / Assets5.535.596.92
Capitalization%%%
Equity / Assets11.3510.749.26
Tangible Capital / Tangible Assets11.3510.749.26
Risk-based Capital Ratio27.0525.1421.51
Liquidity%%%
Loans / Deposits49.8249.7548.94
Non-Interest Bearing Deposits / Deposits23.4425.2624.16
Purchased Liabilities1.521.481.69

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