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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, 2015
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$71,070$68,411$75,355
Loans Receivable, Net28,22829,93332,994
Mortgage-Backed Securities10,56011,02513,844
Investments21,16120,64621,020
Deposits62,91760,16167,412
Borrowings500500500
Equity7,2597,3446,980
Net Interest Income4541,8801,942
Fee Income70333376
Overhead5672,0762,037
Net Operating Income29486450
Net Income29467439
Ratio Analysis Profitability%%%
Return on Assets *0.590.640.56
Operating Return on Assets *0.600.670.58
Return on Equity *5.816.506.35
Net Interest Margin *2.762.752.66
Fee Income / Assets *0.450.460.48
Overhead / Assets *2.962.852.61
Efficiency Ratio95.1380.9781.12
Asset Quality%%%
Nonperforming Assets / Assets0.430.720.87
Nonperforming Assets / Equity & Loss Reserves3.866.168.55
Loss Reserves / Nonperforming Loans207.67128.27109.12
1-4 Fam Mtg + MBS / Assets29.4431.8332.86
Commercial Real Estate Loans / Assets4.615.104.61
Construction Loans / Assets1.241.220.87
Commercial & Industrial Loans / Assets4.554.875.91
Consumer Loans / Assets5.155.596.92
Capitalization%%%
Equity / Assets10.2110.749.26
Tangible Capital / Tangible Assets10.2110.749.26
Risk-based Capital Ratio23.6525.1421.51
Liquidity%%%
Loans / Deposits44.8749.7548.94
Non-Interest Bearing Deposits / Deposits25.0825.2624.16
Purchased Liabilities1.431.481.69

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