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 March 31, 2014
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$73,290$75,355$77,999
Loans Receivable, Net30,65432,99434,643
Mortgage-Backed Securities13,57013,84419,731
Investments23,38421,02016,826
Deposits65,39567,41270,002
Borrowings500500500
Equity6,9436,9806,927
Net Interest Income4751,9421,998
Fee Income83376382
Overhead5272,0372,026
Net Operating Income88450268
Net Income74439268
Ratio Analysis Profitability%%%
Return on Assets *0.570.560.34
Operating Return on Assets *0.600.580.34
Return on Equity *6.356.353.82
Net Interest Margin *2.672.662.70
Fee Income / Assets *0.480.480.49
Overhead / Assets *2.612.612.59
Efficiency Ratio85.6981.1279.54
Asset Quality%%%
Nonperforming Assets / Assets0.950.871.71
Nonperforming Assets / Equity & Loss Reserves9.118.5517.54
Loss Reserves / Nonperforming Loans102.72109.1251.16
1-4 Fam Mtg + MBS / Assets33.2932.8639.59
Commercial Real Estate Loans / Assets4.614.613.98
Construction Loans / Assets0.530.870.21
Commercial & Industrial Loans / Assets5.345.917.45
Consumer Loans / Assets6.406.928.40
Capitalization%%%
Equity / Assets9.479.268.88
Tangible Capital / Tangible Assets9.479.268.88
Risk-based Capital Ratio22.9321.5119.96
Liquidity%%%
Loans / Deposits46.8848.9449.49
Non-Interest Bearing Deposits / Deposits21.6724.1618.94
Purchased Liabilities1.741.694.10

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