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 December 31, 2013
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$75,355$77,999$75,636
Loans Receivable, Net32,99434,64335,078
Mortgage-Backed Securities13,84419,73117,496
Investments21,02016,82617,952
Deposits67,41270,00267,832
Borrowings500500464
Equity6,9806,9276,775
Net Interest Income1,9421,9982,134
Fee Income376382444
Overhead2,0372,0262,374
Net Operating Income450268457
Net Income439268441
Ratio Analysis Profitability%%%
Return on Assets *0.560.340.62
Operating Return on Assets *0.580.340.64
Return on Equity *6.353.826.36
Net Interest Margin *2.662.703.17
Fee Income / Assets *0.480.490.63
Overhead / Assets *2.612.593.37
Efficiency Ratio81.1279.5486.11
Asset Quality%%%
Nonperforming Assets / Assets0.871.711.64
Nonperforming Assets / Equity & Loss Reserves8.5517.5416.57
Loss Reserves / Nonperforming Loans109.1251.162.05
1-4 Fam Mtg + MBS / Assets32.8639.5936.79
Commercial Real Estate Loans / Assets4.613.984.31
Construction Loans / Assets0.870.210.50
Commercial & Industrial Loans / Assets5.917.458.45
Consumer Loans / Assets6.928.4010.51
Capitalization%%%
Equity / Assets9.268.888.96
Tangible Capital / Tangible Assets9.268.888.96
Risk-based Capital Ratio21.5119.9619.93
Liquidity%%%
Loans / Deposits48.9449.4951.71
Non-Interest Bearing Deposits / Deposits24.1618.9416.89
Purchased Liabilities1.694.1010.17

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