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SAFE & SOUND® STAR RATINGS

BANCROFT STATE BANK

5496 COUNTY ROAD W
BANCROFT, Wisconsin 54921

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 570745




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$70,374$72,429$72,211
Loans Receivable, Net44,57445,14343,790
Mortgage-Backed Securities000
Investments14,55912,96612,323
Deposits63,90366,07866,274
Borrowings000
Equity6,4016,2765,871
Net Interest Income5832,3212,350
Fee Income37180176
Overhead5222,1592,178
Net Operating Income136278-118
Net Income136278-118
Ratio Analysis Profitability%%%
Return on Assets *0.550.40-0.17
Operating Return on Assets *0.550.40-0.17
Return on Equity *6.184.55-2.00
Net Interest Margin *3.563.553.63
Fee Income / Assets *0.250.260.26
Overhead / Assets *3.093.103.17
Efficiency Ratio79.3388.9294.57
Asset Quality%%%
Nonperforming Assets / Assets2.892.702.91
Nonperforming Assets / Equity & Loss Reserves28.3527.7632.06
Loss Reserves / Nonperforming Loans98.83117.9697.26
1-4 Fam Mtg + MBS / Assets25.1625.0523.64
Commercial Real Estate Loans / Assets15.1813.8015.40
Construction Loans / Assets3.393.943.10
Commercial & Industrial Loans / Assets7.026.886.42
Consumer Loans / Assets4.044.013.11
Capitalization%%%
Equity / Assets9.108.678.13
Tangible Capital / Tangible Assets8.898.477.93
Risk-based Capital Ratio16.3715.2614.99
Liquidity%%%
Loans / Deposits69.7568.3266.07
Non-Interest Bearing Deposits / Deposits20.3522.9523.77
Purchased Liabilities2.432.332.69

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