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 June 30, 2014
Federal Reserve System Identifier 112510




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$43,953$46,081$46,006
Loans Receivable, Net32,57132,43131,159
Mortgage-Backed Securities1,4021,5822,226
Investments6,3846,1696,578
Deposits39,03239,09238,698
Borrowings02,0332,335
Equity4,8544,8614,895
Net Interest Income9231,7621,723
Fee Income316866
Overhead1,0251,3661,579
Net Operating Income-31564282
Net Income-31564282
Ratio Analysis Profitability%%%
Return on Assets *0.511.260.65
Operating Return on Assets *0.511.260.65
Return on Equity *4.6611.535.86
Net Interest Margin *4.324.184.22
Fee Income / Assets *0.150.150.15
Overhead / Assets *3.863.063.64
Efficiency Ratio103.1271.4184.85
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 / Assets53.2452.7651.48
Commercial Real Estate Loans / Assets8.477.497.56
Construction Loans / Assets2.202.010.28
Commercial & Industrial Loans / Assets4.603.763.55
Consumer Loans / Assets5.665.115.92
Capitalization%%%
Equity / Assets11.0410.5510.64
Tangible Capital / Tangible Assets11.0410.5510.64
Risk-based Capital Ratio11.3418.0712.41
Liquidity%%%
Loans / Deposits83.4582.9680.52
Non-Interest Bearing Deposits / Deposits25.8026.0223.61
Purchased Liabilities0.004.925.56

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