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SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 112510




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$46,006$45,732$40,562
Loans Receivable, Net31,15929,89330,115
Mortgage-Backed Securities2,2262,00098
Investments6,5786,9205,776
Deposits38,69837,20231,316
Borrowings2,3353,7964,828
Equity4,8954,6534,335
Net Interest Income1,7231,5121,493
Fee Income666566
Overhead1,5791,4111,261
Net Operating Income282213284
Net Income282213284
Ratio Analysis Profitability%%%
Return on Assets *0.650.500.73
Operating Return on Assets *0.650.500.73
Return on Equity *5.864.636.53
Net Interest Margin *4.223.684.02
Fee Income / Assets *0.150.150.17
Overhead / Assets *3.643.333.27
Efficiency Ratio84.8585.7278.13
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.04
Loss Reserves / Nonperforming Loansn/a1.381.30
1-4 Fam Mtg + MBS / Assets51.4850.3354.09
Commercial Real Estate Loans / Assets7.567.106.55
Construction Loans / Assets0.280.470.22
Commercial & Industrial Loans / Assets3.552.571.78
Consumer Loans / Assets5.924.855.33
Capitalization%%%
Equity / Assets10.6410.1710.69
Tangible Capital / Tangible Assets10.6410.1710.69
Risk-based Capital Ratio12.4110.4311.47
Liquidity%%%
Loans / Deposits80.5280.3596.16
Non-Interest Bearing Deposits / Deposits23.6120.3318.04
Purchased Liabilities5.5621.8622.60

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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