The Baldwin State Bank

The Baldwin State Bank is headquartered in Baldwin City and is the 162^nd largest bank in the state of Kansas. It is also the 5,555^th largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 18 employees at 2 locations. The Baldwin State Bank's savings rates are 2X the national average, and it has a 3-star health rating.

The Baldwin State Bank Checking Account Rates

The Baldwin State Bank Savings Account Rates

The Baldwin State Bank Money Market Rates

The Baldwin State Bank IRA Rates

Data for Q1 2012

Institution Statistics The Baldwin State Bank FDIC Certificate # 10906 BankRate Report View Year Established 1892 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $77.70 million Loans $34.16 million Deposits $69.07 million Equity Capital $7.03 million Loan Loss Allowance $685,000 Unbacked Noncurrent Loans $1.58 million Historic Data - March 2011 Assets $67.36 million Equity Capital $6.72 million Loan Loss Allowance $834,000 Unbacked Noncurrent Loans $789,000 Profit Margin - Quarterly Net Interest Margin 3.01% Return on Assets 0.83% Return on Equity 9.19% Interest Income $631,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Baldwin State Bank had $1.58 million in non-current loans and owned real-estate with $7.72 million in equity and loan loss allowances on hand to cover it. This gives The Baldwin State Bank a Texas Ratio of 20.47% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Baldwin State Bank increased slightly from 14.69% as of March 31, 2011 to 20.47% as of March 31, 2012, resulting in a negative change of 39.35%. This indicates that the balance sheet and financial strength for The Baldwin State Bank has declined slightly in recent periods. Deposit Growth In the past year, The Baldwin State Bank has increased its total deposits by $9.03 million, resulting in 15.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Baldwin State Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Baldwin State Bank has $77.7 million in assets with $7.72 million in equity, resulting in a capitalization level of 9.93%, which is average.

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