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SAFE & SOUND® STAR RATINGS

Financial statement

BALDWIN STATE BANK, THE
721 HIGH STREET
BALDWIN CITY, Kansas 66006

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$77,999$75,636$67,279
Loans Receivable, Net34,64335,07835,840
Mortgage-Backed Securities19,73117,49611,299
Investments16,82617,95216,710
Deposits70,00267,83260,106
Borrowings50046410
Equity6,9276,7756,582
Net Interest Income1,9982,1342,041
Fee Income382444420
Overhead2,0262,3742,113
Net Operating Income268457414
Net Income268441393
Ratio Analysis Profitability%%%
Return on Assets *0.340.620.58
Operating Return on Assets *0.340.640.61
Return on Equity *3.826.365.75
Net Interest Margin *2.703.173.26
Fee Income / Assets *0.490.630.63
Overhead / Assets *2.593.373.16
Efficiency Ratio79.5486.1180.31
Asset Quality%%%
Nonperforming Assets / Assets1.711.640.98
Nonperforming Assets / Equity & Loss Reserves17.5416.578.91
Loss Reserves / Nonperforming Loans51.162.052.31
1-4 Fam Mtg + MBS / Assets39.5936.7929.70
Commercial Real Estate Loans / Assets3.984.314.50
Construction Loans / Assets0.210.500.90
Commercial & Industrial Loans / Assets7.458.4511.24
Consumer Loans / Assets8.4010.5114.19
Capitalization%%%
Equity / Assets8.888.969.78
Tangible Capital / Tangible Assets8.888.969.78
Risk-based Capital Ratio19.9619.9320.63
Liquidity%%%
Loans / Deposits49.4951.7159.63
Non-Interest Bearing Deposits / Deposits18.9416.8918.24
Purchased Liabilities4.1010.1710.12

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.43%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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