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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 December 31, 2014
Federal Reserve System Identifier 112510




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$48,395$46,081$46,006
Loans Receivable, Net33,64132,43131,159
Mortgage-Backed Securities9601,5822,226
Investments5,9006,1696,578
Deposits43,25739,09238,698
Borrowings02,0332,335
Equity5,0504,8614,895
Net Interest Income1,9081,7621,723
Fee Income656866
Overhead1,7961,3661,579
Net Operating Income256564282
Net Income256564282
Ratio Analysis Profitability%%%
Return on Assets *0.571.260.65
Operating Return on Assets *0.571.260.65
Return on Equity *5.1611.535.86
Net Interest Margin *4.504.184.22
Fee Income / Assets *0.150.150.15
Overhead / Assets *4.023.063.64
Efficiency Ratio87.4071.4184.85
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 / Assets49.0852.7651.48
Commercial Real Estate Loans / Assets8.117.497.56
Construction Loans / Assets0.662.010.28
Commercial & Industrial Loans / Assets5.483.763.55
Consumer Loans / Assets4.925.115.92
Capitalization%%%
Equity / Assets10.4310.5510.64
Tangible Capital / Tangible Assets10.4310.5510.64
Risk-based Capital Ratio16.3918.0712.41
Liquidity%%%
Loans / Deposits77.7782.9680.52
Non-Interest Bearing Deposits / Deposits30.3726.0223.61
Purchased Liabilities0.004.925.56

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