SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$74,695$75,355$77,999
Loans Receivable, Net30,41832,99434,643
Mortgage-Backed Securities12,75513,84419,731
Investments22,27921,02016,826
Deposits66,58467,41270,002
Borrowings500500500
Equity7,1746,9806,927
Net Interest Income9751,9421,998
Fee Income162376382
Overhead9992,0372,026
Net Operating Income248450268
Net Income234439268
Ratio Analysis Profitability%%%
Return on Assets *0.620.560.34
Operating Return on Assets *0.640.580.34
Return on Equity *6.606.353.82
Net Interest Margin *2.762.662.70
Fee Income / Assets *0.480.480.49
Overhead / Assets *2.672.612.59
Efficiency Ratio80.1181.1279.54
Asset Quality%%%
Nonperforming Assets / Assets0.840.871.71
Nonperforming Assets / Equity & Loss Reserves8.098.5517.54
Loss Reserves / Nonperforming Loans126.30109.1251.16
1-4 Fam Mtg + MBS / Assets31.4432.8639.59
Commercial Real Estate Loans / Assets4.954.613.98
Construction Loans / Assets0.360.870.21
Commercial & Industrial Loans / Assets4.865.917.45
Consumer Loans / Assets5.906.928.40
Capitalization%%%
Equity / Assets9.609.268.88
Tangible Capital / Tangible Assets9.609.268.88
Risk-based Capital Ratio23.2521.5119.96
Liquidity%%%
Loans / Deposits45.6848.9449.49
Non-Interest Bearing Deposits / Deposits20.8124.1618.94
Purchased Liabilities1.731.694.10

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