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SAFE & SOUND® STAR RATINGS

BALDWIN STATE BANK, THE

721 HIGH STREET
BALDWIN CITY, Kansas 66006

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 997155




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$71,874$68,411$75,355
Loans Receivable, Net30,64529,93332,994
Mortgage-Backed Securities10,18611,02513,844
Investments22,04520,64621,020
Deposits63,61860,16167,412
Borrowings500500500
Equity7,3957,3446,980
Net Interest Income1,7631,8801,942
Fee Income293333376
Overhead1,9992,0762,037
Net Operating Income388486450
Net Income373467439
Ratio Analysis Profitability%%%
Return on Assets *0.540.640.56
Operating Return on Assets *0.560.670.58
Return on Equity *5.066.506.35
Net Interest Margin *2.682.752.66
Fee Income / Assets *0.420.460.48
Overhead / Assets *2.892.852.61
Efficiency Ratio83.7580.9781.12
Asset Quality%%%
Nonperforming Assets / Assets0.380.720.87
Nonperforming Assets / Equity & Loss Reserves3.456.168.55
Loss Reserves / Nonperforming Loans221.01128.27109.12
1-4 Fam Mtg + MBS / Assets30.3231.8332.86
Commercial Real Estate Loans / Assets3.985.104.61
Construction Loans / Assets0.391.220.87
Commercial & Industrial Loans / Assets6.064.875.91
Consumer Loans / Assets4.785.596.92
Capitalization%%%
Equity / Assets10.2910.749.26
Tangible Capital / Tangible Assets10.2910.749.26
Risk-based Capital Ratio25.6525.1421.51
Liquidity%%%
Loans / Deposits48.1749.7548.94
Non-Interest Bearing Deposits / Deposits23.5025.2624.16
Purchased Liabilities1.401.481.69

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