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SAFE & SOUND® STAR RATINGS

BALTIC STATE BANK, THE

101 EAST MAIN
BALTIC, Ohio 43804

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 112510




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$47,361$48,395$46,081
Loans Receivable, Net34,12733,64132,431
Mortgage-Backed Securities9139601,582
Investments5,7005,9006,169
Deposits42,13443,25739,092
Borrowings002,033
Equity5,0915,0504,861
Net Interest Income4961,9081,762
Fee Income146568
Overhead3931,7961,366
Net Operating Income137256564
Net Income137256564
Ratio Analysis Profitability%%%
Return on Assets *0.700.571.26
Operating Return on Assets *0.700.571.26
Return on Equity *6.335.1611.53
Net Interest Margin *4.584.504.18
Fee Income / Assets *0.140.150.15
Overhead / Assets *3.994.023.06
Efficiency Ratio74.1587.4071.41
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets49.4349.0852.76
Commercial Real Estate Loans / Assets8.378.117.49
Construction Loans / Assets0.250.662.01
Commercial & Industrial Loans / Assets6.455.483.76
Consumer Loans / Assets4.834.925.11
Capitalization%%%
Equity / Assets10.7510.4310.55
Tangible Capital / Tangible Assets10.7510.4310.55
Risk-based Capital Ratio14.2216.3918.07
Liquidity%%%
Loans / Deposits81.0077.7782.96
Non-Interest Bearing Deposits / Deposits23.9830.3726.02
Purchased Liabilities0.510.004.92

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