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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 March 31, 2016
Federal Reserve System Identifier 112510




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$48,429$49,387$48,395
Loans Receivable, Net39,01437,27933,641
Mortgage-Backed Securities719745960
Investments4,7804,9775,900
Deposits42,93044,03443,257
Borrowings000
Equity5,3845,2555,050
Net Interest Income5442,0461,908
Fee Income166565
Overhead4171,5951,796
Net Operating Income172628256
Net Income172628256
Ratio Analysis Profitability%%%
Return on Assets *1.421.350.57
Operating Return on Assets *1.421.350.57
Return on Equity *12.6312.135.16
Net Interest Margin *4.644.564.50
Fee Income / Assets *0.140.140.15
Overhead / Assets *3.463.424.02
Efficiency Ratio70.8071.7587.40
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 / Assets42.6941.7049.08
Commercial Real Estate Loans / Assets8.378.818.11
Construction Loans / Assets0.630.230.66
Commercial & Industrial Loans / Assets6.826.205.48
Consumer Loans / Assets4.504.524.92
Capitalization%%%
Equity / Assets11.1210.6410.43
Tangible Capital / Tangible Assets11.1210.6410.43
Risk-based Capital Ratio14.6214.2516.39
Liquidity%%%
Loans / Deposits90.8884.6677.77
Non-Interest Bearing Deposits / Deposits30.0427.9130.37
Purchased Liabilities0.950.950.00

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