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 September 30, 2014
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$71,515$75,355$77,999
Loans Receivable, Net30,12132,99434,643
Mortgage-Backed Securities11,81613,84419,731
Investments21,45221,02016,826
Deposits63,32867,41270,002
Borrowings500500500
Equity7,2656,9806,927
Net Interest Income1,4291,9421,998
Fee Income254376382
Overhead1,4832,0372,026
Net Operating Income392450268
Net Income378439268
Ratio Analysis Profitability%%%
Return on Assets *0.570.560.34
Operating Return on Assets *0.590.580.34
Return on Equity *6.136.353.82
Net Interest Margin *2.682.662.70
Fee Income / Assets *0.460.480.49
Overhead / Assets *2.672.612.59
Efficiency Ratio79.0981.1279.54
Asset Quality%%%
Nonperforming Assets / Assets0.630.871.71
Nonperforming Assets / Equity & Loss Reserves5.738.5517.54
Loss Reserves / Nonperforming Loans134.15109.1251.16
1-4 Fam Mtg + MBS / Assets31.9032.8639.59
Commercial Real Estate Loans / Assets5.174.613.98
Construction Loans / Assets0.470.870.21
Commercial & Industrial Loans / Assets4.505.917.45
Consumer Loans / Assets5.856.928.40
Capitalization%%%
Equity / Assets10.169.268.88
Tangible Capital / Tangible Assets10.169.268.88
Risk-based Capital Ratio24.0621.5119.96
Liquidity%%%
Loans / Deposits47.5648.9449.49
Non-Interest Bearing Deposits / Deposits21.4724.1618.94
Purchased Liabilities1.811.694.10

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