SAFE & SOUND® STAR RATINGS

Financial statement

BALTIC STATE BANK, THE
101 EAST MAIN
BALTIC, Ohio 43804

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of December 31, 2013
Federal Reserve System Identifier 112510




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$46,081$46,006$45,732
Loans Receivable, Net32,43131,15929,893
Mortgage-Backed Securities1,5822,2262,000
Investments6,1696,5786,920
Deposits39,09238,69837,202
Borrowings2,0332,3353,796
Equity4,8614,8954,653
Net Interest Income1,7621,7231,512
Fee Income686665
Overhead1,3661,5791,411
Net Operating Income564282213
Net Income564282213
Ratio Analysis Profitability%%%
Return on Assets *1.260.650.50
Operating Return on Assets *1.260.650.50
Return on Equity *11.535.864.63
Net Interest Margin *4.184.223.68
Fee Income / Assets *0.150.150.15
Overhead / Assets *3.063.643.33
Efficiency Ratio71.4184.8585.72
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/a1.38
1-4 Fam Mtg + MBS / Assets52.7651.4850.33
Commercial Real Estate Loans / Assets7.497.567.10
Construction Loans / Assets2.010.280.47
Commercial & Industrial Loans / Assets3.763.552.57
Consumer Loans / Assets5.115.924.85
Capitalization%%%
Equity / Assets10.5510.6410.17
Tangible Capital / Tangible Assets10.5510.6410.17
Risk-based Capital Ratio18.0712.4110.43
Liquidity%%%
Loans / Deposits82.9680.5280.35
Non-Interest Bearing Deposits / Deposits26.0223.6120.33
Purchased Liabilities4.925.5621.86

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