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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, 2015
Federal Reserve System Identifier 112510




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$49,387$48,395$46,081
Loans Receivable, Net37,27933,64132,431
Mortgage-Backed Securities7459601,582
Investments4,9775,9006,169
Deposits44,03443,25739,092
Borrowings002,033
Equity5,2555,0504,861
Net Interest Income2,0461,9081,762
Fee Income656568
Overhead1,5951,7961,366
Net Operating Income628256564
Net Income628256564
Ratio Analysis Profitability%%%
Return on Assets *1.350.571.26
Operating Return on Assets *1.350.571.26
Return on Equity *12.135.1611.53
Net Interest Margin *4.564.504.18
Fee Income / Assets *0.140.150.15
Overhead / Assets *3.424.023.06
Efficiency Ratio71.7587.4071.41
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 / Assets41.7049.0852.76
Commercial Real Estate Loans / Assets8.818.117.49
Construction Loans / Assets0.230.662.01
Commercial & Industrial Loans / Assets6.205.483.76
Consumer Loans / Assets4.524.925.11
Capitalization%%%
Equity / Assets10.6410.4310.55
Tangible Capital / Tangible Assets10.6410.4310.55
Risk-based Capital Ratio14.2516.3918.07
Liquidity%%%
Loans / Deposits84.6677.7782.96
Non-Interest Bearing Deposits / Deposits27.9130.3726.02
Purchased Liabilities0.950.004.92

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