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 March 31, 2014
Federal Reserve System Identifier 112510




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$45,367$46,081$46,006
Loans Receivable, Net31,78632,43131,159
Mortgage-Backed Securities1,4961,5822,226
Investments6,1096,1696,578
Deposits38,30739,09238,698
Borrowings1,9692,0332,335
Equity4,9604,8614,895
Net Interest Income4301,7621,723
Fee Income156866
Overhead3881,3661,579
Net Operating Income77564282
Net Income77564282
Ratio Analysis Profitability%%%
Return on Assets *1.161.260.65
Operating Return on Assets *1.161.260.65
Return on Equity *10.6511.535.86
Net Interest Margin *4.184.184.22
Fee Income / Assets *0.150.150.15
Overhead / Assets *3.153.063.64
Efficiency Ratio83.4471.4184.85
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 / Assets52.0152.7651.48
Commercial Real Estate Loans / Assets6.897.497.56
Construction Loans / Assets2.352.010.28
Commercial & Industrial Loans / Assets4.313.763.55
Consumer Loans / Assets5.465.115.92
Capitalization%%%
Equity / Assets10.9310.5510.64
Tangible Capital / Tangible Assets10.9310.5510.64
Risk-based Capital Ratio11.2918.0712.41
Liquidity%%%
Loans / Deposits82.9882.9680.52
Non-Interest Bearing Deposits / Deposits24.4626.0223.61
Purchased Liabilities4.924.925.56

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