The Baldwin State Bank in Baldwin City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Baldwin State Bank in Baldwin City, Kansas (KS)
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The Baldwin State Bank - Overview

  • General
  • FDIC Certificate #: 10906
    Status: Active
    Federal Reserve ID: 997155
    Date Established: August 29, 1892
    WWW: http://www.baldwinstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 6984
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 721 High Street, Baldwin City, KS 66006
    County: Douglas
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Lawrence, KS (#4150)
    Core Based Statistical Area (CBSA): Lawrence, KS (#29940)
    CBSA Metro Statistical Area: Lawrence, KS (#29940)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $75.6 mil
    Equity capital: $6.8 mil
    Deposits held in domestic offices: $67.8 mil
    Return on assets (ROA): 0.62% ($0.5 mil)
    Quarterly return on assets: 0.01% ($0.0 mil)
    Return on Equity (ROE): 6.43% ($0.5 mil)
    Quarterly return on equity: 0.11% ($0.0 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.65% ($491.6 mil)
    Quarterly Pretax return on assets: 0.03% ($22.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 19Total employees (full-time equivalent)
  • $75,636Total assets
  • $3,201Cash and due from depository institutions
  • $29Interest-bearing balances
  • $35,448Securities
  • $4Federal funds sold & reverse repurchase agreements
  • $35,078Net loans & leases
  • $720Loan loss allowance
  • $0Trading account assets
  • $314Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $75,637Life insurance assets
  • $1,591All other assets
  • $68,862Total liabilities and capital
  • $67,832Total liabilities
  • $56,372Total deposits
  • $67,832Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 464.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $566Subordinated debt
  • $6,775All other liabilities
  • $6,775Total equity capital
  • $6,775Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $1,200Surplus
  • $4,375Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,242Income earned, not collected on loans
  • $0Earning assets
  • $401Long-term assets (5+ years)
  • $70,559Average Assets, year-to-date
  • $20,503Average Assets, quarterly
  • $70,666Volatile liabilities
  • $73,899Insider loans
  • $33,816FHLB advances
  • $73,696Loans and leases held for sale
  • $816Unused loan commitments
  • $816Tier 1 (core) risk-based capital
  • $6,312Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,176Restructured Loans and leases
  • $224Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,513Total interest income
  • $379Total interest expense
  • $2,134Net interest income
  • $25Provision for loan and lease losses
  • $623Total noninterest income
  • $0Fiduciary activities
  • $441Service charges on deposit accounts
  • $0Trading account gains & fees
  • $182Additional noninterest income
  • $2,374Total noninterest expense
  • $1,096Salaries and employee benefits
  • $139Premises and equipment expense
  • $1,139Additional noninterest expense
  • $358Pre-tax net operating income
  • $99Securities gains (losses)
  • $16Applicable income taxes
  • $441Income before extraordinary items
  • $0Extraordinary gains - net
  • $441Net income attributable to bank
  • $0Net charge-offs
  • $441Cash dividends
  • $133Sale, conversion, retirement of capital stock, net
  • $360Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.78%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 3.21%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 6.43%Return on equity (ROE)
  • 1.18%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 18.80%Credit loss provision to net charge-offs
  • 2.88%Efficiency ratio
  • 86,108Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.63%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 57.97%Noncurrent assets plus other real estate owned to assets
  • 1.64%Noncurrent loans to loans
  • 3.47%Net loans and leases to deposits
  • 51.71%Net loans and leases to core deposits
  • 53.75%Equity capital to assets
  • 8.96%Core capital (leverage) ratio
  • 8.56%Tier 1 risk-based capital ratio
  • 18.67%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $70,666Average earning assets
  • $6,862Average equity
  • $66,480Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06984The Baldwin State Bank721 High Street, Baldwin City, KS 66006August 29, 1892Full Service Brick and Mortar
    1363192Eighth Street Branch112 North Eighth Street, Baldwin City, KS 66006January 30, 2002Limited Service Facility

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