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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 September 30, 2015
Federal Reserve System Identifier 112510




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$45,875$48,395$46,081
Loans Receivable, Net35,72933,64132,431
Mortgage-Backed Securities8029601,582
Investments5,1955,9006,169
Deposits40,43343,25739,092
Borrowings002,033
Equity5,2545,0504,861
Net Interest Income1,5181,9081,762
Fee Income496568
Overhead1,1891,7961,366
Net Operating Income461256564
Net Income461256564
Ratio Analysis Profitability%%%
Return on Assets *1.310.571.26
Operating Return on Assets *1.310.571.26
Return on Equity *11.765.1611.53
Net Interest Margin *4.564.504.18
Fee Income / Assets *0.140.150.15
Overhead / Assets *3.444.023.06
Efficiency Ratio72.0687.4071.41
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 / Assets45.9349.0852.76
Commercial Real Estate Loans / Assets9.588.117.49
Construction Loans / Assets0.260.662.01
Commercial & Industrial Loans / Assets6.655.483.76
Consumer Loans / Assets4.934.925.11
Capitalization%%%
Equity / Assets11.4510.4310.55
Tangible Capital / Tangible Assets11.4510.4310.55
Risk-based Capital Ratio14.8416.3918.07
Liquidity%%%
Loans / Deposits88.3777.7782.96
Non-Interest Bearing Deposits / Deposits26.8330.3726.02
Purchased Liabilities0.540.004.92

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